【摘要】 “十二五”规划期间，山东省出台促进农民专业合作社健康发展的意见，目标是创建3000家省级农民专业合作社示范社。随着山东省的农业结构调整发展，政策扶持力度的进一步加强，农民群众的市场意识进一步增强，参与农民专业合作组织的主动性大为提高。以农民为主体、产业为基础、服务为宗旨、利益为纽带、增收为目标的农民专业合作社得到了快速发展，成为了农民联结市场的新型农村经济组织。研究地方金融产品的支农效果，对有效地促进了农民专业合作社健康发展，推动了“三农”和县域经济发展有现实意义。

　　中国目前的针对地方服务的金融创新工具的种类很多,多数从西方已有的金融工具的改进和提高，但是质量不高，据统计，这种形式的比例高达87%左右。大部分是金融机构的已有工具的简单形式复制。

　　本文基于2011年5月在山东省四个农民专业合作社进行的农户调查，在调查中我们对专业合作社转型对贷款需求可能的影响予以了特别的关注。研究重点以山东省农村信用社省联社、中国农业银行山东省分行、泰安市农信社三家金融机构的农民专业合作社贷款业务为例，通过对调研资料的分析，从金融产品特色、市场表现、操作程序、安全性、产品效益等方面对四个农民专业合作社贷款产品进行评价，利用主成分分析法和数据包络分析(Data Envelopment Analysis)，找出对金融产品绩效产生影响的最主要因素，并分析借鉴了发达国家成功的模式，最后对山东省农村信用社农民专业合作社贷款业务的进一步改进提出政策建议。对进一步优化信贷结构，挖掘市场潜力，促进农民专业合作发展有积极指导意义。

　　本文总体分为引言和五个章节。第一章对农民专业合作社进行概念界定，第二章分析当前中国农民专业合作社融资方面的研究现状和其中存在的问题，第三章根据调研结果进行实证分析，分析样本专业合作社对金融产品的需求并对金融产品的绩效进行评价，第四章分析其他国家和地区成功的农民专业合作社融资案例。第五章是结论与政策建议。

　　【Abstract】In recent years, with the adjustment of agricultural structure in Shandong Province accelerated, the government make great efforts to support the development of agriculture, peasants’ market awareness are also strengthened ,with the participation and cooperation of the initiative was also greatly enhanced, with farmers as the main body and for the purpose of service , benefits as a link, the farmer cooperatives has developed rapidly and become the new rural economic organizations which join the farmers market. Local financial institutions adhere to the concept of scientific development and explore innovative financial services actively, to support to the farmers' cooperatives and financial services, promoting the development of farmer cooperatives healthy andeffectively, to advance the service of the development of county economic.

　　At present, there are a wide variety of innovative financial products services for the farmers, but mostly imitated from western or the improved edition of existing, According to statistics, these absorbed innovation in financial products constituted higher than 87% of the financial products. Most local financial institutions just replicated the simple financial products, the original innovative products which really suitable for the rural financial development are less, much less significantly for the financial products suitable for professional cooperatives.

　　Based on the empirical test of farmer specialized cooperatives in Shandong Province in May 2011，In this survey, we focus on the impact of the demand for loans of farmer specialized cooperatives co-transformation. Take Shandong provincial association of rural credit cooperatives, Agricultural Bank of China Shandong Branch, Taian rural credit cooperatives of these three financial institutions and farmer cooperatives loans for example, through the analysis of research data, we evaluate from the financial product characteristics, market performance, operating procedures, safety, product effectiveness and other aspects of rural credit cooperatives of Shandong cooperatives loan products ,and then by the way of principal component analysis to identify the impact of the financial products of the main factors of performance, and learn from the developed countries mode, Finally we give some advises about how to make further improvement for the Shandong Province Rural Credit Business. that make full use of radiation and leading functions of the farmer cooperatives, optimize credit structure.

　　Chapter one generally defines the cooperative，in terms of the definition，types，the basic Principles，and the essential features. Chapter two is about the development of Chinese Farmers’ specialty cooperation. It explained the development of cooperation and characteristics of the development of the status quo and concluded that the current constraints and challenges which it facing. Chapter four analyses the successes and lessons from the sustained development of farmers' cooperative financing examples in such developed countries and districts. Chapter five is about Conclusions and recommendations. This section is at the end of the paper. It summed up the characteristics of the development of the in Shandong province and the current situation of financial support. It pointed out the mode of funding breakthrough innovation, and demonstrated the mode of Shandong province for the development of Farmers’ specialty cooperation is very important guiding significance.

　　【关键词】 农民专业合作社； 融资； 金融产品；

　　【Key words】 Farmers’ specialty, financing, financial products