COORDINATION OF SMALL FARMS WITH AGRICULTURAL CREDIT CONSUMER COOPERATIVES

Issue № 3, 2017, article № 10, pages 60-65

Section: Cooperation and integration

Language: Russian

Original language title: КООРДИНАЦИЯ ВЗАИМОДЕЙСТВИЯ МАЛЫХ ФОРМ ХОЗЯЙСТВОВАНИЯ С ПОТРЕБИТЕЛЬСКИМИ КРЕДИТНЫМИ КООПЕРАТИВАМИ

Keywords: PEASANT FARM, CREDIT COOPERATIVE, AGRICULTURAL COOPERATIVE, CONSUMER COOPERATION

Abstract: Small farms perform a number of the major economic functions: food supply of rural families, solution of social problems of the village, employment and maintenance of the income of country people. Credit cooperation of peasant farms and farms of the population is strategically important direction of development of the market of financial services in the village. Recommendations about target use of the issued loans taking into account the main directions of agricultural production in municipal districts of Chelyabinsk region are developed for primary agricultural credit consumer cooperatives (ACCC). Recommendations on coordination of interaction of small farms about ACCC at the level of primary ACCC which aren't breaking the principle of hierarchical structure with system of property control from below up at which local links are owners of links of higher level are submitted. The mechanism of introduction of a target contribution at observance of requirements of the legislation on a consumer loan is reasonable. The positive effect of coordination is caused by a covering of expenses on the primary non-commercial activity of agricultural credit consumer cooperatives (document flow on receiving a loan and subsidies) at the expense of a one-time target contribution of borrowers. The state support of agricultural credit consumer cooperation is essentially important for development of small farms. It is important to keep compensation of a part of the paid percent within a key interest rate on the loans obtained in agricultural consumer credit cooperatives. Development of agricultural credit consumer cooperatives will allow to increase availability and to reduce the cost of credit services for the members.

Authors: Pankratova Daria IUrevna