延寿县贫困村农民资金互助合作社发展研究

发布时间：2018-07-20 20:16

【摘要】：目前，我国农村尤其是贫困村的正规金融机构的覆盖面很低，针对农民贷款的金融机构也很少，使得农民贷款难成为了一个不容忽视的问题。尤其是在延寿县的几个贫困村，村里没有正规的金融机构，去正规的金融机构贷款手续繁杂，贷款数量得不到满足，而贫困村农民自身的经济能力不强，这一系列的原因导致了贫困村经济的恶性发展。农民贷款难这一问题限制了农民的收入，制约了农村经济的发展，要想真正的解决延寿县贫困村的金融服务问题，就要加快发展农民自己的资金组织——农民资金互助合作社。 2004年，中央一号文件中指出，，要发展“多种所有制农村金融”，有了政府的支持，使延寿县贫困村的部分农民尝试着加入了农民资金互助合作社中。但是，农民资金互助合作社目前尚处于发展初期，在其运行当中仍然存在一些问题，如农民资金互助合作社的管理机制落后、合作社资金的来源及运用受限、合作社的运行能力较弱以及缺乏相应完善的法律予以保护。这些问题都对农民资金互助合作社的稳定产生威胁。本文就是在这种背景下，对延寿县贫困村农民资金互助合作社存在的问题进行分析，以了解延寿县贫困村农民资金互助合作社的了解，同时对其在运行中存在的问题提出可行性的建议，以促进延寿县贫困村农民资金互助合作社健康有序的发展。本文在阅读了大量文献的基础上，首先介绍了国内外农民资金互助合作社的研究现状，随后说明了农民资金互助合作社的理论基础，然后阐述了延寿县三个贫困村资金互助合作社的开展情况，同时，提出了延寿县六团镇六团村互助资金协会、延寿县延河镇新发村发展生产互助资金协会、延寿县延河镇团山村互助资金生产发展协会三个农民资金互助合作社在其运行中存在的问题，如管理机制落后、资金来源及使用受限、运行能力弱、缺乏相应完善的法律保护，最后，结合了延寿县三个贫困村的实际情况，从完善管理机制、灵活筹措资金及使用、完善资金自身条件及政府制定支持政策方面，提出了对农民资金互助合作社的发展建议。
[Abstract]:At present, the coverage of formal financial institutions in rural areas, especially in poor villages, is very low, and the number of financial institutions for farmers' loans is also very few, which makes the difficulty of farmers' loans a problem that can not be ignored. In particular, in several poor villages in Yanshou County, there are no formal financial institutions in the villages. The procedures for going to formal financial institutions are complicated, the amount of loans cannot be satisfied, and the economic capacity of the peasants in the poor villages is not strong. This series of reasons has led to the vicious development of the poor village economy. The problem of difficult loans for farmers limits farmers' income and restricts the development of rural economy. In order to really solve the problem of financial services in poor villages in Yanshou County, It is necessary to speed up the development of farmers' own financial organizations, farmers' mutual fund cooperatives. In 2004, the Central Committee document No. 1 pointed out that the development of "multi-ownership rural finance" should be supported by the government. So that some farmers in poor villages in Yanshou County tried to join the farmers' mutual fund cooperative. However, the farmers' mutual fund cooperative is still in the early stage of development, and there are still some problems in its operation, such as the backward management mechanism of the farmers' mutual fund cooperative, the limited source and use of cooperative funds. The cooperative operation ability is weak and lacks the corresponding perfect law to protect. All these problems threaten the stability of farmers' mutual fund cooperatives. Under this background, this paper analyzes the problems existing in the farmers' mutual fund cooperative in the poor villages of Yanshou County, in order to understand the mutual aid cooperative of the peasants' funds in the poor village of Yanshou County. At the same time, some feasible suggestions are put forward to promote the healthy and orderly development of farmers' mutual fund cooperatives in poor villages of Yanshou County. On the basis of reading a large number of documents, this paper first introduces the research status of farmers' mutual fund cooperative at home and abroad, and then explains the theoretical basis of farmers' mutual fund cooperative. Then it expounds the development of the mutual fund cooperative of the three poor villages in Yanshou County. At the same time, it puts forward the mutual aid fund association of Liutuanzhen, Liutuanzhen, Yanshou County, and the production mutual fund association of Xinfa Village in Yanshou County, Yanshou County. The problems existing in the operation of the three farmers' mutual fund cooperative, such as the backward management mechanism, the limited source and use of funds, the weak operation capacity and the lack of corresponding perfect legal protection, are the problems existing in the operation of the three farmers' mutual fund production and development association in Yanshou Town, Yanshou County. Finally, combined with the actual situation of three poor villages in Yanshou County, this paper puts forward some suggestions for the development of mutual fund cooperative of farmers from the aspects of perfecting management mechanism, raising funds and using flexibly, perfecting the conditions of funds themselves and the government formulating supporting policies.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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