浙江农民专业合作社融资影响因素和融资策略实证研究

农民专业合作社逐步发展壮大，融资需求与资金供给之间的矛盾日益突出。文章在对浙江省100家农民专业合作社融资状况调查的基础上，就农民专业合作社的融资现状进行实证分析，并对比了合作社企业“种子基金”外部融资创新模式和内部融资创新模式的优劣势，找出影响合作社融资的主要因素，并提出农民专业合作社融资模式创新策略。即（1）首先加强对金融和财务人才的培训和指导；（2）鼓励非正规金融机构与正规金融机构之间的有效融合；（3）改进业务内容和服务方式；（4）创新和保护、规范非正规金融机构和多元化扶持更多的非正规金融机构发展等。

The empirical research of financing environment and model innovation of co-operatives in Zhejiang Province

The co-operatives grew gradually， and the contradiction between demand and supply of funds is also increasingly prominent.The article empirically analyzed the financing situation， compared the advantages and disadvantages of the major model of external “seed fund” and internal model based on the survey on financing situation of 100 co-operatives in Zhejiang Province. Main factors affecting the financing of co-operatives were found. Solutions including training strengthen， the effective integration of the non-formal financial institutions and formal financial institutions， the innovation of financing content and services， the regulation of the informal financial institutions and the multi-support model were proposed.