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合作经济组织本身是不规范的。因为这些是自发形成的经济组织，最没有严格的规则的组织，成员加入一个公司缺乏适当的审计标准，该组织的成员单独信贷保持自我的克制和完美的组织和管理，在紧急的情况下，往往不是一个合理的解决方案。同时，管理层主要是农民合作经济组织，大部分的人在这部分缺乏专业的管理经验，管理乱，导致贷款批准，没有做严格的筛选，不能有效地监督贷款收回等。

Cooperative economic organization itself is not standardized . Because these are spontaneous formation of economic organization , most no strict rules of the organization , members join a company for lack of appropriate audit standards , the organization's members alone credit maintain self-restraint and imperfect organization and management, in the case of an emergency , often not a reasonable solution. Meanwhile, the management of cooperative economic organizations are mainly farmers, most of the people in this part of the lack of professional management experience , managing arbitrary , leading to the approval of lending did not do a rigorous screening , can not effectively supervise loans to recover and so on.

这些合作经济组织政府部门的指导，监督。一方面，政府资助的一次性，非稳定的特点。由于该组织的发展仍处于起步阶段，政府的作用主要是负责指导，有没有发挥实质性的作用，没有长期稳定的合作经济组织获得的帮助资助政府，政府做没有足够的了解发展优惠贷款，农民未能履行政府的责任，引导社会资金流向。另一方面，我国还缺乏法律上的农村合作经济组织的专业法律。这使农村合作经济组织的法律地位不明确，在一定程度上削弱了合作经济组织，以保护他们的成员，标准化的管理职能。

These cooperative economic organizations Government guidance, oversight. On the one hand , the government has funded a one-time , non- stability characteristics . Since development of the organization is still in its infancy, the role of the government is mainly responsible for guidance , there is no substantive role to play , not long-term stable cooperative economic organizations gained from helping to fund the government , and the government did not develop enough about preferential loans to farmers failed to fulfill the government 's responsibility to guide social capital flows . On the other hand , our country still lacks a law on rural cooperative economic organizations of professional law . This enables rural cooperative economic organizations legal status is not clear , to some extent , weakened the cooperative economic organizations to protect their members , standardized management functions.

Cooperative economic organization, farmers can get loans are mostly short-term loans , this situation with the actual needs of farmers planting a lot of time does not match . Farmers to obtain loans through cooperative economic organizations , however, have not yet had time to farmers to sell their produce results , the loan is about to expire , causing farmers unable to repay . On the other hand , the limited funds available channels , especially in the critical period of agricultural production , farmers funding needs urgent demand, Mutual Aid Fund of the small scale farmers in great demand with the obvious contradiction .

Risk compensation mechanism is still not perfect . Agriculture is a weak industry , farmers are highly dependent on natural conditions , by the nature and the market interferences , weak ability to resist natural disasters , agricultural insurance system is not perfect in the case , prone to risk. Because many rural cooperative economic organizations are formed in the same profession , the same industrial structure , operational risk is relatively concentrated, did not significantly high correlation coefficient dispersed nature and market risk. For example, a planting citrus cooperatives are members of the organization in citrus farmers , who have any drought, rainfall is small, then all farmers within the organization will be本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。