增城市农村合作经济组织参与金融服务模式研究

发布时间：2018-03-16 05:27

本文选题：农村合作经济组织　切入点：农村合作金融　出处：《湖南农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：农村金融与合作金融体系构建的问题一直是国内外学者、各国政府关注的热点。我国在这方面的探索较晚,2003年才开始农村信用合作社的改革试点,并迅速在全国展开,但改革成效并不尽如人意；2007年银监会《农村资金互助社示范章程》的颁发为我国农村合作金融组织的发展、建立完善的农村合作金融体系和具有竞争性的农村金融市场开辟了新的路径。近六年来,全国各地都进行了各种有益的探索和尝试,在此形势下,探索农村合作经济组织参与金融服务的具体模式对于促进我国农村合作金融的发展具有重要意义。本文基于金融抑制和金融深化理论、信息不对称理论、优序融资理论和生产关系适应生产力理论,简述增城市农村合作经济组织及其参与金融服务的发展现状,深入分析增城市农村合作经济组织在参与金融服务过程中存在的问题和原因,结合国内外农村合作金融的成功经验,提出适合增城市发展的三种农村金融服务模式：“信用社+合作社”模式、“合作社+供销联社+商业银行”模式和“资金互助+担保”模式,最后提出增城市农村合作经济组织参与金融服务的过程中还应坚持合作制原则和金融发展的多样性,监管及时跟进规避政策与经营风险,基层合作经济组织应注重人才培养引进、实现科学管理。
[Abstract]:The construction of rural finance and cooperative finance system has always been a hot topic for scholars at home and abroad and governments all over the world. However, the results of the reform are not satisfactory. In 2007, the CBRC issued the Model articles of Association of Rural Fund Mutual Assistance for the development of rural cooperative financial organizations in China. The establishment of a sound rural cooperative financial system and a competitive rural financial market have opened up a new path. In the past six years, various beneficial explorations and attempts have been made throughout the country. It is of great significance to explore the specific mode of rural cooperative economic organizations participating in financial services for promoting the development of rural cooperative finance in China. This paper is based on the theory of financial repression and financial deepening, information asymmetry theory, The theory of superior order financing and the theory of production relations adapt to productivity theory, and briefly describe the development of rural cooperative economic organizations and their participation in financial services in Zengcheng city. This paper deeply analyzes the problems and reasons of Zengcheng rural cooperative economic organizations in participating in the process of financial services, and combines the successful experience of rural cooperative finance at home and abroad. Three kinds of rural financial service models suitable for Zengcheng city are put forward: "credit cooperative" mode, "cooperative supply and marketing cooperative commercial bank" model and "mutual fund guarantee" model. Finally, it is proposed that Zengcheng rural cooperative economic organizations should adhere to the principle of cooperative system and the diversity of financial development, and follow up and evade the policy and management risks in time. Grass-roots cooperative economic organizations should pay attention to the introduction of talent training and scientific management.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F321.42;F832.35

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