我国新型农村资金互助社的发育机制研究

发布时间：2018-04-14 20:35

本文选题：农村资金互助社 + 组织成长　；参考：《湖南农业大学》2012年硕士论文

【摘要】：金融是经济的核心,农村金融的支持是农村经济发展的关键。当前,我国农村金融体系并不完善,许多贫困农民、中小企业的资金需求难以得到满足。到1997年国有商业银行几乎从农村地区全面撤出,使农村信用社成了农村金融的主体。但作为正规金融支农主力军的农村信用合作社在改革中离合作金融越来越远。于是,通过互助和合作,以利他进而实现利己的农村资金互助社应运而生,弥补了农村金融体系的缺陷,促进了农村经济的发展。但其作为一种新型的农村金融机构,在其试点过程中逐渐暴露出不少问题。而如何构建农村资金互助社的发育机制,创造有利于资金互助社发育的环境条件,促进互助社的健康、可持续发展就显得尤为重要。本文首先从新型农村资金互助社发育机制构建的相关理论入手,阐述了产业组织理论、普惠金融理论、交易费用理论、合作博弈理论及委托代理理论。随后系统总结了我国新型农村资金互助社的特征、发展成就及存在问题,发现自试点以来,资金互助社数量日趋增多、规模不断扩大、发展方式也呈现多样化的趋势,但仍存在地区之间发展不平衡、社会认同度低、资金缺乏等问题,资金互助社在发育过程中存在被边缘化的现象。其次介绍了目前我国新型农村资金互助社的发育方式,基于对资金互助社相关主体(农民、政府、监管机构、其他农村金融机构)的行为动机分析,找出了新型农村资金互助社发育的动因,并分析了互助社发育的环境条件。接着总结了国外农村合作金融组织的发育经验,从动力机制、利益分配机制、组织运行机制及政策扶持机制四个方面来构建我国新型农村资金互助社的发育机制。最后,在坚持“政府支持、精英领导、农民参与”的基本思想的指导下,提出了优化发育环境,促进我国新型农村资金互助社快速健康发育的对策建议。
[Abstract]:Finance is the core of economy, and the support of rural finance is the key to the development of rural economy.At present, China's rural financial system is not perfect, many poor farmers, small and medium-sized enterprises' capital needs are difficult to meet.By 1997, state-owned commercial banks almost withdrew from rural areas, making rural credit cooperatives the main body of rural finance.However, the rural credit cooperatives, as the main force of supporting agriculture in formal finance, are further away from cooperative finance in the reform.Therefore, through mutual aid and cooperation, the mutual aid society of rural funds came into being, which made up for the defects of the rural financial system and promoted the development of rural economy.However, as a new type of rural financial institution, it gradually exposed many problems in its pilot process.How to construct the development mechanism of the rural fund cooperative, to create the environmental conditions conducive to the development of the fund cooperative, and to promote the health of the cooperative, the sustainable development is particularly important.This paper begins with the related theories of the development mechanism of the new rural fund mutual aid society, and expounds the industrial organization theory, the inclusive finance theory, the transaction cost theory, the cooperative game theory and the principal-agent theory.Then it systematically summarizes the characteristics, development achievements and existing problems of the new rural mutual aid cooperatives in China. It is found that since the pilot project, the number and scale of the new rural mutual aid cooperatives have increased day by day, and the development patterns have also shown a trend of diversification.However, there are still some problems, such as unbalanced development between regions, low social identity, lack of funds and so on.Secondly, it introduces the development mode of the new type of rural fund cooperative in our country, based on the analysis of the behavior motivation of the related main bodies (farmers, governments, regulators, other rural financial institutions).This paper finds out the motivation of the development of the new rural fund cooperative, and analyzes the environmental conditions of the development of the new rural fund cooperative.Then summarizes the development experience of foreign rural cooperative financial organizations, from the power mechanism, benefit distribution mechanism, organization operation mechanism and policy support mechanism to construct the development mechanism of the new rural fund mutual aid in our country.Finally, under the guidance of the basic idea of "government support, elite leadership and farmers' participation", the author puts forward some countermeasures and suggestions on how to optimize the development environment and promote the rapid and healthy development of the new type of rural fund cooperative in China.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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