摘要
摘要
农民专业合作社作为新型农业经营的主体，近些年来取得了快速发展。在改
变农村粗放型经济增长方式、扩大农业生产经营规模、进一步提高农产品市场竞
争能力、提高劳动人民经济收入等发挥了重要作用。它们是我国脱贫攻坚和乡村
振兴的重要载体，目前已步入提质增效和深化改革的关键时期。但是，由于晋宁
区农民专业合作社的融资渠道比较狭窄、缺乏扎实的财务管理技术和有效的财务
管理机制、融资贷款申请难度较大、以及政府的指导效用未能充分发挥等问题较
为突出亟待解决，较大程度上阻碍了其快速发展壮大。
农民专业合作社的融资研究大多为农业大省，对于不发达的县域合作社融资
问题进行系统性研究较少。云南省作为我国西南地区花卉生产基地大省，近两年
越来越多的种植类农民专业合作社应运而生，而昆明市拥有斗南花卉市场的优
势，在与云南省的种植合作社发展中属于领先者，本文重点选取了昆明市晋宁区
农民专业合作社的现状展开研究，探究类似地区合作社前景，以此为基础，通过
实地走访对具体案例分析合作社在融资中存在的问题和形成融资难的原因。本文
主要应用农村金融市场论、信息不对称理论、关系型贷款理论：金融市场理论的
引入为农村经济的发展提供了有力的支持；信息不对称理论分析了晋宁区农民专
业合作社与金融机构之间存在的融资难现象，并找到产生这种现象的原因；由于
农村的人文环境特征，关系型贷款可以帮助农民专业合作社获得越来越多的信贷
资金。
本研究重点选取了晋宁区两家知名的花卉专业合作社进行访谈调查，从内部
和外部两个层面深入分析了农民专业合作社融资难问题，挖掘根源问题，在文章
末尾，针对各个问题提出相应的政策方案，主要包含三点内容，其一，需要不断
完善农村金融组织体系，从信用体系和金融产品入手讨论；其二，需要加强晋宁
区农民专业合作社的自身建设，从农产品、内部制度、创新经营的模式以及专业
人才培养方面讨论；其三，要不断完善当地政府的监管和扶持作用。
关键词：农民专业合作社；融资；金融机构
I

ABSTRACT
ABSTRACT
As the main body of new agricultural management, farmers ' professional
cooperatives have achieved rapid development in recent years. It has played an
important role in changing the extensive economic growth mode in rural areas,
expanding the scale of agricultural production and operation, further improving the
market competitiveness of agricultural products, and increasing the economic income
of working people. They are an important carrier for China 's poverty alleviation and
rural revitalization. At present, they have entered a critical period of improving quality
and efficiency and deepening reform. However, due to the relatively narrow financing
channels of farmers ' professional cooperatives in Jinning District, the lack of solid
financial management technology and effective financial management mechanism, the
difficulty of applying for financing loans, and the failure to give full play to the
guiding role of the government, the problems are more prominent and need to be
solved urgently, which greatly hinders its rapid development and growth.
Most of the research on the financing of farmers ' professional cooperatives is a
large agricultural province, and there are few systematic studies on the financing of
underdeveloped county cooperatives. Yunnan Province, as a major province of flower
production base in southwest China, more and more planting farmers ' professional
cooperatives came into being in the past two years, and Kunming City has the
advantage of Dounan flower market, which is a leader in the development of planting
cooperatives in Yunnan Province.This paper focuses on the current situation of
farmers ' professional cooperatives in Jinning District of Kunming City, and explores
the prospects of cooperatives in similar areas.On this basis, through field visits to
specific cases, this paper analyzes the problems existing in the financing of
cooperatives and the causes of financing difficulties. This paper mainly applies rural
financial market theory, information asymmetry theory and relational loan theory : the
introduction of financial market theory provides strong support for the development
of rural economy. Information Asymmetry Theory analyzes the financing difficulties
II

ABSTRACT
between farmers ' professional cooperatives and financial institutions in Jinning
District, and finds the reasons for this phenomenon ; due to the characteristics of rural
human environment, relational loans can help farmers ' professional cooperatives to
obtain more and more credit funds.
This study selected two well-known flower professional cooperatives in Jinning
District for interview survey, from the internal and external two levels in-depth
analysis of the financing difficulties of farmers ' professional cooperatives, tap the
root causes of the problem, at the end of the article, put forward the corresponding
policy plan for each problem, mainly includes three points, one, need to constantly
improve the rural financial organization system, from the credit system and financial
products to discuss ; secondly, it is necessary to strengthen the self-construction of
farmers ' professional cooperatives in Jinning District, from the aspects of agricultural
products, internal system, innovative management mode and professional personnel
training ; third, constantly improve the local government supervision and support.
Keywords: farmers' professional cooperatives; financing; financing institution
III
。。。以下略