四川农村资金互助合作组织运行绩效研究

发布时间：2018-02-26 17:27

  本文关键词： 农村资金互助社 贫困村互助资金 补贴依赖指数 覆盖面 信贷可得性　出处：《四川农业大学》2012年硕士论文　论文类型：学位论文

【摘要】：发展农村经济,推动农村经济持续发展,农村金融改革是关键。农村金融体系的基础是合作金融组织,发达国家的经验也证明要发展农村经济必须发展农村合作金融组织。但我国还没有真正意义的合作制金融,农村合作金融在绝大多数农村地区还处于缺失状态。作为一个既有经济效益又有社会效益的合作金融操作形式,小额信贷在中国越来越受欢迎,而农村资金互助合作组织正是小额信贷的一个创新模式。与其他农村金融机构相比,农村资金互助合作组织是极具中国特色、符合中国国情的农民自愿联合形成的经济合作组织,是中国农村金融体系的有力补充,是真正属于农民自己的合作金融组织。 本文借鉴了相关农村金融理论、合作金融理论、金融抑制和金融深化理论、贫困与反贫困理论。利用调研数据,描述性统计分析了四川省农村资金互助合作组织的发展现状；从农村资金互助合作组织的角度,运用Yaron农村金融机构绩效评估框架分析了其自我持续性和覆盖面问题；从农户的角度,运用Probit模型和Logit模型分两步分析了农村资金互助合作组织社员信贷可得性的影响因素。最后,根据研究结论提出了相关的政策建议。 本文的主要研究结论包括以下几个方面： (1)农村资金互助合作组织激活了农村金融市场,填补了农村金融服务空白,有效地扩宽了贫困户的贷款渠道,促进了农民收入的增加,加快了地区新农村建设进程。但是,农村资金互助合作组织的资金规模偏小,业务范围狭窄,目标客户群太小宣传力度不够,管理人员业务素质不高。 (2)补贴依赖指数计算显示,经营性质的“益民农村资金互助社”需要将各年的贷款利率分别提高到67.84%、13.23%、10%和10.43%后才能在取消所有补贴的情况下实现自我可持续发展；完全扶贫性质的“贫困村互助资金”大部分已经完全实现了自我可持续发展。逐年下降的补贴依赖指数表明农村资金互助合作组织经营状况逐年好转,对补贴的依赖程度降低,自我持续发展能力有较大的提高。 (3)农村资金互助合作组织的自我可持续发展能力受税收优惠政策和风险准备金提取政策的影响较大,从贷款利率、贷款回收率和资金规模等方面来提高自我持续性不太现实。 (4)农村资金互助合作组织与其他金融机构相比具有明显的信息优势、成本优势,其金融服务的广度和深度在逐年扩大,金融服务质量在不断提高。 (5)计量分析的结果显示,农户信贷可得性受户主担任村干部、是否为贫困户、社区交通情况、农户饲养牲畜价值、家庭成员外出务工、生产性固定资产、土地面积和户主受教育年限等8个因素的影响；农户贷款金额的大小主要受户主担任村干部、是否为贫困户、社区交通情况和户饲养牲畜价值等4个因素的影响。 基于以上研究结论,本文提出了以下政策建议： 首先,根据当前农村地区经济形势,及时调整相关的政策和规章制度,加强对农村资金互助合作组织的指导和扶持；其次,农村资金互助合作组织应加大宣传力度以提高农户的认知和接受水平,加强各地区间的经验交流和学习,建立健全适合自身特色的人才机制；最后应多渠道的提高社员的信贷可得性。
[Abstract]:The development of the rural economy, promote the sustainable development of rural economy, rural financial reform is the key. The financial system is the foundation of rural cooperative financial organization, the experience of developed countries has proved to the development of rural economy must develop rural cooperative financial organization system of financial cooperation. But China still has no real significance, the rural cooperative finance in most rural areas also in the absence of state. As a both economic benefits and social benefits of the cooperative finance operations, microfinance more and more popular in Chinese, and rural capital mutual cooperative organization is an innovative model of microfinance. Compared with other rural financial institutions, rural mutual cooperative organization is very China characteristics. The economic cooperation organization in accordance with the situation of farmers Chinese voluntary association formed, is a powerful supplement Chinese rural financial system, is really belong to the farmers own together Be a financial organization.
This paper draws on the relevant theory of rural finance, cooperative finance theory, theory of financial repression and financial deepening, poverty and anti-poverty theory. Based on survey data, descriptive statistical analysis of the current development of rural capital mutual cooperative organization in Sichuan province; from the rural capital mutual cooperative organization's point of view, the use of Yaron rural financial institutions and analyzes the performance evaluation framework self consistency and coverage problem; from the perspective of farmers, the use of Probit model and the Logit model is divided into two steps of rural capital mutual cooperative organization members credit availability factors. Finally, according to the research conclusion put forward relevant policy recommendations.
The main conclusions of this paper include the following aspects:
(1) the rural mutual fund organizations activate the rural financial market, to fill the gaps in rural financial services, effectively widening the poverty household loan channels, promote farmers' income increase, accelerate the process of the construction of new rural area. However, the rural mutual cooperative organization capital scale is small, narrow business scope the target customer base is too small not enough publicity, business management quality is not high.
(2) subsidy dependence index calculation shows that the nature of the business "Yimin rural cooperatives" will need each year loan interest rates were increased to 67.84%, 13.23%, 10% and 10.43% in order to achieve self sustainable development in the case of subsidies to cancel all completely; the nature of "poverty of poor village mutual funds" most have been fully implemented the self sustainable development. The subsidy dependence index decreased year by year shows that rural mutual funds operating conditions of cooperation has improved year by year, dependent on subsidies reduced, self sustainable development ability is greatly improved.
(3) the self sustainable development ability of rural financial cooperation and cooperation organizations is greatly influenced by preferential tax policies and risk reserve policies. It is not realistic to improve self sustainability from the aspects of loan interest rate, loan recovery rate and capital scale.
(4) compared with other financial institutions, the rural mutual funds cooperative organization has obvious information superiority and cost advantage. Its breadth and depth of financial services are expanding year by year, and the quality of financial services is improving.
(5) the results of quantitative analysis showed that the farmers' credit availability by households as village cadres, whether for poor households, community transport, livestock feeding value of farmers, family members of migrant workers, the production of fixed assets, land area and household education 8 factors; the amount of loans to farmers mainly headed by a village cadres, whether for poor households, 4 Influence Factors of community traffic and household livestock value.
Based on the above research conclusions, the following policy recommendations are put forward.
First of all, according to the current economic situation in rural areas, the timely adjustment of the relevant policies and regulations, strengthen the rural capital mutual cooperative organization, guidance and support; secondly, the rural mutual fund organizations should step up publicity efforts to improve farmers' awareness and acceptance level, strengthen the inter regional exchange of experience and learning, establish and perfect the mechanism of talents for its own characteristics; finally, multiple channels should be enhance their credit availability.

【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35;F224

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