安徽省霍山县农村资金互助合作社风险控制研究

发布时间：2019-07-04 20:16

【摘要】：随着当代经济的迅速发展,农村金融机构无法满足农户资金需求的矛盾越来越严重,农村资金互助合作社的出现为缓解这一矛盾局面提出了全面的思考。资金互助合作社本着“民监、民管、民办”的理念,依赖广大农户入股集资,形成小型民间金融机构,为农户发展生产提供资金支持,缓解了农村金融机构供给不足的局面。相对于其它正规金融机构而言,农村资金互助合作社有贷款容易、手续简单、无须抵押、利率低等优势,是农村新型金融机构的重要组成部分和重点发展对象。但是,目前我国农村资金互助合作社还处于发展的初级阶段,经营管理不完备,没有建立科学的风险控制机制。在实际操作中,面临的各种风险控制问题将成为影响农村资金互助合作社运作发展的关键。本文主要以安徽省霍山县的农村资金互助合作模式为研究对象,通过对两种模式的资金互助合作社风险控制管理的研究,分析这类资金互助合作社风险控制中存在的问题,提出针对性的建议和措施,以构建完善的风险控制机制,提高了农村资金互助合作社的运行效率。为健全我国农村金融机构风险防范理论提供参考。
文内图片：

图片说明：图４－１邋２０１２年黄家贩村资金互助合作社资金规模图逡逑Ｆｉｇ邋４－１邋Ｆｉｇｕｒｅ邋ｏｆ邋化ｅ邋ｓｉｚｅ邋ｏｆ邋Ｒｍｄ邋ｍ山ｕａｌ邋ｃｏｏｐｅｒａｔｉｖｅ逡逑
[Abstract]:With the rapid development of contemporary economy, the contradiction that rural financial institutions can not meet the capital needs of farmers is becoming more and more serious. The emergence of rural financial cooperatives has put forward comprehensive thinking to alleviate this contradiction. Based on the concept of "civil supervision, civil management and private", mutual fund cooperatives rely on the majority of farmers to raise funds, form small private financial institutions, provide financial support for farmers to develop production, and alleviate the situation of insufficient supply of rural financial institutions. Compared with other formal financial institutions, rural mutual financial cooperatives have the advantages of easy loans, simple procedures, no mortgage, low interest rates and so on. They are an important part and key development object of rural new financial institutions. However, at present, the rural mutual fund cooperatives in China are still in the primary stage of development, the management is not complete, and there is no scientific risk control mechanism. In practice, all kinds of risk control problems will become the key to the operation and development of rural mutual fund cooperatives. This paper mainly takes the rural mutual fund cooperation mode in Huoshan County, Anhui Province as the research object, through the research on the risk control management of the two models of capital mutual assistance cooperatives, analyzes the problems existing in the risk control of this kind of capital mutual assistance cooperatives, and puts forward some targeted suggestions and measures in order to construct a perfect risk control mechanism and improve the operation efficiency of rural mutual fund cooperatives. It provides a reference for perfecting the theory of risk prevention of rural financial institutions in China.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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