【摘要】 自从世界上第一个合作社——1844年12月24日的罗虚戴尔公平先锋社在英国诞生以来,世界合作社事业已经走过了一个半世纪多的春秋,各种类型的合作社也已遍布于全球160多个国家和地区。作为一种自愿、民主、非营利为主要内容的经济组织形式,合作社以为社员服务为宗旨,在经济和社会活动中表现出了很强的生命力,在区域经济中起到“四两拨千斤”的杠杆作用。其中,农民专业合作社无论是在发达国家还是在发展中国家,都已经成为推进农村经济社会发展中一支不可或缺的重要力量,它在加快农业发展,实现农业集约化、产业化规模经营,提高农民收入,为农民服务,解决“小农户与大市场”的链接矛盾等方面都有着重大贡献。在我国,农民专业合作社已经成为农业经济的重要组成部分,从九十年代初期开始,扶持农民专业合作社的发展,实现生产合作、销售合作的结合,缓解农户家庭承包责任制与社会化大生产的矛盾,农民专业合作社建设得到了政府的高度重视,并从2003年开始,在制度与财力上给予支持。2006年10月31日《中华人民共和国农民专业合作社法》的出台,标志着我国农民专业合作社作为农村经济组织的正式形式得到了法律的认可。2007年的“中央一号文件”中进一步强调,“要用现代经营形式推进农业”,表明政府对农村经营形式在我国现代农业发展中作用的认识达到了一个新的高度。当前,农民专业合作社融入了农业的各个方面,农业的发展将逐步依赖于农民专业合作社的成功,农民也越来越离不开农民专业合作社提供的服务,而作为服务“三农”的农村金融机构,同样也需要农民专业合作社作为金融服务载体,发挥组织运作作用。基于此,本文依据国内外农民专业合作社发展历程和基本原理,以资阳市农业银行对资阳市农民专业合作社的信贷支持为对象,对农民专业合作社的信贷支持发展问题进行系统的研究。在研究思路上,首先对国外的农民专业合作社发展概要进行了综述与评价,对国内农民专业合作社发展的历史进行回顾,形成本研究的基本观点和切入点。依此为基础,对资阳市农民专业合作社发展进行研究,重点分析了资阳市农民专业合作社的发展现状,信贷支持资阳市农民专业合作社的特点、存在的问题,以及问题形成的原因,通过分析信贷支持资阳市农民专业合作社发展中的制约因素,进而,提出了信贷支持农民专业合作社发展的路径以及对策建议。

　　【Abstract】 Over half a century has been past since the Rochdale Equitable Pioneer’s Society, the first co-operative society in the world, came into being in 1844 in U.K., and now there are all kinds of cooperatives in more than 160 countries and regions all over the world. As a kind of economic organization serving its members on voluntary, open, democratic, non-profit and income-sharing basis, cooperatives bloom in every aspect of the social and economic activities.Among them, farmers’professional cooperatives have become an important and indispensable impetus in social economic development both in developed countries and in developing ones. They have played a great role in such aspects as speeding up the development of agriculture, realizing the scale operation of industrialized agriculture, serving the farmers to improve their income, resolving the farmers’problem of how to be market-oriented.In China, farmers’professional cooperatives have become an important part of agricultural economy. The government has been paying high attention to the construction of farmers’professional cooperatives since early 90’s and providing financial and institutional support since 2003. The promulgation of The Law of the People’s Republic of China on Farmers’Professional Cooperatives on 31 October 2006 symbolized that farmers’professional cooperatives, as one of the formal organizations of the rural economy, have gained the recognition of the law. In 2007,No.1 Document of the Central Committee of CPC further stressed the necessity to develop agriculture through modern operation organizations, indicating that the government had reached a new stage in understanding the role of such organizations played in developing modern agriculture. At present, farmers’professional cooperatives are playing a proper role in every aspect of agriculture, whose development greatly depends on the success of these cooperatives. And the service provided by these cooperatives has become a must for more and more farmers. Similarly, without the help of farmers’professional cooperatives as the carrier of financial service, rural financial institutions can not achieve the aim of serving agriculture, countryside and farmers.Therefore, according to the developing experience and basic principles of domestic and overseas farmers’professional cooperatives, this thesis focuses on the systematic research about the developing issues concerning credit aid given to farmers’professional cooperatives, illustrated by credit aid to farmers’professional cooperatives in Ziyang by Agricultural Bank of China, Ziyang Branch. In brief, it starts with an evaluating summary of the development of farmers’professional cooperatives abroad, then looks back to the development history of domestic farmers’professional cooperatives, thus reaches the basic views and breakthrough point of this thesis. Thereafter, it makes researches on the development of farmers’professional cooperatives in Ziyang, analyzing its present status, the characteristics, unresolved problems and their causes of the related credit aid.Finally, through the analysis of its restricting factors, the thesis provides us with ways, suggestions and policies for credit aid to the development of farmers’professional cooperatives.

　　【关键词】 农民专业合作社； 信贷支持； 完善与创新；

　　【Key words】 Farmers’Professional Cooperatives； Credit Aid； Perfection and Innovation；