The results of these studies allow us to formulate the following conclusions and outline several proposals  capital credit union :

1. One way to credit problems of rural producers is the creation of agricultural cooperatives. Credit Cooperatives will implement the transformation of real relations in the countryside, in agricultural production. We have proposed that a rural credit cooperative "Agrocredit" based on the following legal documents: the Federal Law 'On Agricultural Cooperation "and the Federal Law" On credit consumer cooperatives of citizens. "
2.
3. In determining the primary purpose of the cooperative credit created, based on the potential of the basic needs of its members, it is important to assess the motives that determined those needs. The main purpose of credit cooperative "Agrocredit" address the needs of members of the cooperative to borrow, saving their own money and meet other financial needs of the members.
4.
5. Members of the agricultural credit consumer cooperatives may voluntarily be legal entities and persons over the age of 16, recognizing its Charter, who selected shares and participating in the activities of the cooperative. Potential participants are credit cooperative farms Melekessky district. As the results of the calculations, key performance indicators and describing the financial position of the enterprise in question on the difference. The highest rates are observed in the agricultural production cooperative them. NK Krupskaya. This company has a large size, is adequately provided with means of production and as a result, has a high level of grain yields and productivity of farm animals. Here in 2004. Gross profit amounted to 60 431 thousand from the sales of crop and livestock production in the company profit. SEC them. Kuibyshev and SEC them. Lenin are smaller and low indicators of industrial activity.
6.
7. In substantiating the credit cooperative organizations to identify appropriate sources of the assets of the cooperative. Sources of property of the cooperative may be both equity and debt. The law establishes financial leverage: the size of debt should not exceed 60% of the total funds of the cooperative. This provision is essential to the basic organization of the cooperative. In calculating the total amount of a share in the consumer credit cooperative advisable to consider the cost of capital goods, net assets, depreciation of fixed assets and the amount payable. In SEC them. Kuibyshev size as a share in the statutory fund by our calculations may reach 1820 thousand in the SEC them. NK Krupskaya - 5728 thousand and SEC them. Lenin - 3980 For thousands of peasant farmers, citizens engaged in private farms and private individuals established amount of share contribution may be 5-8 thousand, which is consistent with the program "Strategy of development of the rural credit cooperatives and farmer organizations savings and credit cooperatives " capital credit union .
8.
5. The content of the statute of rural credit cooperative "Agrocredit" must meet the requirements of this document, the relevant articles of the Civil Code. 11 and 12 of the Federal Law 'On Agricultural Cooperation ", because of its specificity, as well as a number of provisions, the absence of these laws and the specificity of the credit and financial activity on the practice and experience of credit cooperatives. Designed Charter rural credit cooperative "Agrocredit" contains the following: name (full official) name of the cooperative; seat, subject, purpose and duration of the cooperative, the procedure and conditions of admission to membership and termination of membership in the cooperative, the rights, duties and responsibilities of the cooperative ¬ rativa or liability cooperative to its members, etc.

6. Cost-effectiveness of lending to agricultural enterprises can be defined as the sum of the discounted stream of income from the project to the sum of the discounted loan tranches. Using this technique, you can evaluate the effectiveness of the loan, if the creditor is a credit institution or a commercial bank. Assuming that the source of credit is a credit cooperative "Agrocredit", at the present value of the flow of credit tranche equal to 370.9 thousand, the value of the income stream from the sale of additional products obtained through a loan from a commercial bank is 137.7 thousand, in "Agrocredit" - 370.9 thousand In addition, because of untimely bank credit may lead to the company loss of $ 192 thousand to calculate effective lending commercial bank farm is 37.1%, and credit cooperative "Agrocredit" - 58.3%.

Consequently, the system of credit cooperation to help overcome one of the major problems of modern agriculture - the ever-increasing shortage of investment resources. And if the original credit cooperatives can serve only a means to increase the attractiveness of the agricultural sector as an investment object, further their purpose loans can become a major source of investment agriculture, as it is inherent in the economies of developed countries  capital credit union .