【摘要】农民专业合作社是为了解决农户的小生产和大市场之间的矛盾，减少农民参与市场竞争风险和不确定性，提高交易效率而出现的组织。总的来说，合作社在当前的环境下得到快速发展。但是农民专业合作社面临的严重的资金短缺问题，影响和制约了农民专业合作社作用的发挥。有鉴于此，本文以农民专业合作社一般理论为指导，结合我国农民专业合作社的特殊性，研究农民专业合作社融资的制约因素，从合作社产权变革、农村金融体制创新、政府制度供给三个方面提出解决方案。

　　全文共分五个部分，主要内容可以概括为：

　　第一章：导言。简述了本文研究的背景、目的和意义，概述了国内外研究动态，对论文的研究方法做出说明，确立了本文的研究思路和研究方法，为本文的后继研究打下了坚实的基础。

　　第二章：农民专业合作社融资相关理论。首先介绍有关农民专业合作社的相关概念，包括农民专业合作社的定义、法人地位、法人类型以及本质特征。然后说明农民专业合作社融资相关概念、融资特点及模式；最后对合作社与股份公司融资差异做了一个比较。

　　第三章：农民专业合作社融资现状分析。本章首先简要介绍了我国处于快速发展阶段，资金缺乏成为合作社发展的重要制约因素。具体而言，制约农民专业合作社融资的因素包括合作社自身的制度因素、社员因素，农村金融体制的制约以及来自政府方面的影响。

　　第四章：农民专业合作社权益融资。本部分是对第3章合作社融资难制约因素中的合作社自身限制而提出的解决方案。首先介绍了权益融资的几种方式，然后指出权益融资与产权安排直接的关系，最后介绍几个提高权益融资能力的建议措施。

　　第五章：农民专业合作社负债融资。本部分从债务融资的角度解决合作社融资难问题。认为农村金融体系的重建是解决负债融资难题的关键。同时需要政府的支持，包括为融资创造一个良好的法律、政策环境。而地方政府在支持合作社发展，解决融资难方面具有突出的作用。

　　【关键词】农业专业合作社；权益融资；负债融资

　　【Abstract】The farmers’ professional cooperative is an organization which is to solve the contradiction between household small productions with the ever-changing large markets and reduce the risk and raise a bargain efficiency. As a whole, the farmers’ Professional cooperative store develops quickly on the present environment. but its lack of funds strongly influenced its development. In view of this, regarding general theory of the farmers’ professional cooperative as guidelines and combining the particularity of the farmers’ professional cooperative in our country, this text explores the restrict factor to its financing, and put forward the resolvent in three aspects: the property right of the cooperative, the innovation to the country finance system and the transformation to the government function.

　　It is made up of five parts. The main content can be summarized as followed.

　　Chapter one is introduction in which sketching background, purpose and meaning of this study, summing up domestic and international research dynamic status, establishing the research purpose and research approach of this text and setting up a solid foundation for the following parts of this text.

　　Chapter two is about farmers’ professional cooperative financing theory. At first it introduces the relevant concept of farmers’ professional cooperative, including the concept of farmers’ professional cooperative , a legal person position and type, and characteristic; Then it describes relevant concept of farmers’ professional cooperative financing theory, including its financing characteristic and mode; Finally, it compare farmers’ professional cooperative with stock company on financing.

　　Chapter three is current situation of farmers’ professional cooperative financing. The farmers’ professional cooperative is in a stage of high development. The lack of money is its main restricts factor. From the angle of the development of the cooperative, the lack of money which is produced in its unique system is all along with it. Embodily, the restrictfactors include the system itself, associator factor, the country financing system factor and the government factor. Then it explain what is the difficulty on financing.

　　Chapter four is about farmers’ professional cooperative right financing. It put forward the financing resolvent according to its main restrict factor of the chapter three. At first it introduce many types of right financing; then it describes the relation between the property right and the right financing; Finally, it introduce many suggestion to improve level of right financing.

　　Chapter five is about farmers’ professional cooperative debt financing. reconstruction of the rural financial system is the key to solve the problem of debt financing. Meanwhile it needs the support from the government, which cannot only give it some finance support but also a good law and a good policy. The local government plays an important role in the development of the farmers’ professional cooperative.

　　【Key words】farmers’ professional cooperative；right financing；debt financing