我国农民专业合作社发展中的融资问题研究——以吉林省长岭县为例

Financing Problem Research in the Development of Farmers' Professional Cooperatives in China——In Changling County of Jilin Province as an Example

农民专业合作社是加快解决"三农"问题的新型组织,在促进社会主义新农村建设和加快农村经济发展中发挥了重要作用。但资金匮乏一直是制约很多农民专业合作社进一步发展壮大的瓶颈。农民专业合作社的资金主要来源于内部融资和民间借贷,金融机构对其提供的资金支持非常有限。破解农民专业合作社融资难问题,一方面需要农民专业合作社不断加强自身建设,提高经营管理能力,夯实自身基础,为赢得更多的金融服务创造条件;另一方面也需要各级政府出台差别化政策,加大扶持力度,同时金融机构也应该积极承担起促进农村经济健康、快速发展的主力军作用,为农民合作社提供更多的融资便利。

Professional Farmers Cooperative is a new organization which can solve the ＂three rural＂ problems quickly, it plays an important role in the development of rural economy and the promotion the new socialist countryside construction. However, the lack of funds has been restricted many Professional Farm- ers Cooperatives＇ further development. The capital of Farmer Professional Cooperative mainly comes from intemal financing and borrowing, the financial support from financial institutions is very limited. To solve the financing difficulties, on one hand, Professional Farmers Cooperatives need to continuously strengthen self construction, improve the management ability, consolidate the foundation of its own, create conditions for the winning of more financial services; on the other hand, governments at all levels should issue different policies, strengthen the support level, while the financial institutions should actively take up the main role of promoting the rural economy healthy and rapid development, provide more financing convenience for Professional Farmers Cooperatives.