农民专业合作社融资困境及对策研究

Research on the Financing Difficulties and Countermeasures of Farmers' Professional Cooperatives

融资难、融资贵问题是制约农业经营主体发展的主要瓶颈和普遍存在的现象。本文以农民合作社这类农业经营主体作为研究对象,从归纳梳理农民合作社现实存在的五种模式入手,重点深入分析了各类农民专业合作社融资难的深层次原因,并基于政策性担保公司的角度,研究了"政策性融资担保公司+政府+龙头企业+合作社(社员)+合作银行"的五位一体的"惠社保农贷模式",以期探索破解农业融资困境的对策。

The difficulty of financing and the high cost of financing are the main bottlenecks and common phenomena that restrict the development of agricultural business entities. Taking farmer cooperatives as the object of study, this paper summarizes five modes of reality of farmer cooperatives firstly. Then, it analyzes the deep reasons for financing difficulties of all kinds of farmers’ professional cooperatives. Finally, in order to explore the countermeasures to solve the difficulties of agricultural financing and based on the angle of policy financing guarantee corporation, this paper puts forward a five in one model of ＂Hui She Bao Nong Dai ＂, that is, ＂policy financing Guarantee Corporation ＋ government ＋ leading enterprise＋cooperative （social member） ＋ cooperative bank＂.