在农村发展资金互助社的理论探悉（In the theory of rural development funds cooperatives）.docVIP

在农村发展资金互助社的理论探悉（In the theory of rural development funds cooperatives） First, the theory basis of rural mutual fund cooperatives The organization of rural mutual funds is similar or related to farmers co sponsored, owned and managed, in order to obtain convenient financing services or economic benefits, according to capital shares, democratic management, establish mutual benefit principle of mutual financial organizations. Carry out loan business within the membership. Cooperative finance refers to the individual or enterprise in social economy, in order to improve their economic conditions, making the acquisition financing or economic interests, in accordance with the voluntary shares, democratic management, the principle of equality and mutual benefit to organize a special financial access for the main service shares. It is not difficult to see, from the market positioning point of view, the Rural Cooperative Financial Cooperatives is a true sense of cooperative finance. In the unbalanced state of rural financial demand and supply for a long time, it is necessary and reasonable for the emergence of rural mutual fund cooperatives. The advantages of rural mutual aid cooperatives can be simply summarized as follows: simple procedures, flexible loan time, low financing costs, and improved farmers organizational level. From the point of market segmentation, the rural mutual fund cooperative is suitable for the target market of the household credit demand of our country. Therefore, the rural mutual aid society has the advantages of organization and system in the face of the scattered small loan market, thus playing the role of the capillary system of the financial system, and activating the entire rural financial system. No matter from theory or practice perspective, the rural mutual cooperatives in rural development will play an important role, mainly in the following aspects: first, rural credit union funds is helpful to settle a considerable part of the farmers finan