九州大学大学院生物資源環境科学府農業資源経済学部門食料流通学研究室
Laboratory of Food Marketing, Division of Industrial Organization of Agribusiness, Department of Agricultural & Resource Economics, Graduate School of Bioresource and Bioenvironmental Sciences, Kyushu University
九州大学大学院農学研究院農業資源経済学部門食料流通学研究室
Laboratory of Food Marketing, Department of Agricultural and Resource Economics, Faculty of Agriculture, Kyushu University
九州大学大学院農学研究院農業資源経済学部門食料流通学研究室
Laboratory of Food Marketing, Department of Agricultural and Resource Economics, Faculty of Agriculture, Kyushu University
Since 1980s' economic reform and opening-up, regular financial organizations can't meet the demand for depending on the cause of the system, such as lack of collateral and asymmetry of information money in rural areas. On the other hand, the presence of private finance has been increased its' rationality and necessity with the development of rural economy. But interest of private finance is so high that farmers can't use it easily. The rural financial system was reformed at the end of 2006, and then the farmers cooperatives have been enabled to make use of surplus funds in the region. This paper makes a case study of two farmers cooperatives in Shandong of China. By performing a mutual aid funds within cooperatives, financial functions of cooperatives can be demonstrated, it was determined that the financing of farmers is easier and the cost of borrowing is lower. In addition, it is enabling to adjust the excess or deficiency of funds between farmers' member who are facing the lack of collateral and the asymmetry of information system to meet the financial needs of that have not been met so far. Reform of the financial system was able to solve the farmers' problem of difficult financing system successfully by achieving the effective use of funds within farmer members in rural areas.
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