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农业产业化的实现被寄托于农民专业合作社的发展壮大,在金融支农中,其主流产品—农户小额信贷的因素特征,如金额、期限等严重制约了合作社规模化生产。本文作者在实证调研的基础上提出开发农民专业合作社法人小额信贷产品,并且从产品开展的信用形式和要素优势入手,明确指出合作社法人小额信贷的良好风险防范机制、灵活的使用性等,可以在保障金融机构信贷资金安全性、收益性的前提下有效满足合作社发展的资金需求。
The realization of agricultural industrialization is pinpointed to the development and expansion of farmer cooperatives. In the financial support for agriculture, the main characteristics of the rural micro-credit loans, such as the amount and term, have severely restricted the large-scale production of cooperatives. Based on the empirical research, the author proposes the development of microfinance products for farmers’ specialized cooperatives. Based on the credit forms and factor advantages of products, the author clearly points out the good risk prevention mechanism and flexible usability of cooperative microfinance, It can effectively meet the funding needs for the development of cooperatives on the premise of ensuring the safety and profitability of credit funds of financial institutions.