破解农机合作社面临的融资难题

据统计，我国已有经营规模在6.67 hm2（100亩）以上的专业大户270多万户，各类家庭农场87.7万家，农民合作社超过95万家，农业产业化经营组织超过30万个。因此，顺畅农业金融供求通道，破解“贷款难”，满足现代农业建设的资金需求，已成为迫切需要解决的重要问题。从金融机构、合作社和农业担保公司3方的角度分析农机合作社融资难的原因，也同时分析了农机合作社自身的缺陷，并给出一些对策和建议。希望能作为各级政府部门决策的参考。 

Solutions to Funding Raising Problem of Agricultural Machinery Cooperatives

According to statistics，currently，more than 2.7 million families devoted to agricultural production with the scale of operation above 6.67 hm2，family farms of various types have totaled 877 000 and co-ops have exceeded 950 000.The commercialized agricultural entities are well above 300 000.Obviously，solving the‘loan’problem so as to meet the needs of agricultural development has become an imperative before us.Reasons for the difficulty of fund raising faced by agricultural machinery cooperatives from the vantage points of financial institutions，agricultural cooperatives and agricultural insurance companies were examined.In the meantime，problems inherent in agricultural machinery co-ops were also analyzed.Some suggestions for the fund raising problems were finally provided in the hope that they may serve as the basis of policy formulation for government agencies.