Viewing from the development of farmer cooperatives in Hunan province field research, the paper found that Hunan farmer cooperatives sources of finance capital investment in the currency of members is very limited, financial support of the minority community, and financial institutions loans can only reach about 15% of their needs, and the rapid development of farmer cooperatives financing is difficult, and there is a large gap between supply and demand. The paper argued that the lack of credit of farmer cooperatives is a direct constraint, and the deep-seated constraints are inefficient capit...