凤阳县农村资金互助社发展研究
发布时间：2018-09-04 10:44
【摘要】：长期以来,国有商业银行和农村信用社向农民投放小额、短期、分散的资金贷款服务内在动力不足,农村金融服务需求得到充分满足的难度较大。正是在城乡金融资源配置不均衡、农村投融资体制不健全的大背景下,农村资金互助社的产生便存在其合理性和必要性。从农村资金互助社的优势来看,可以简单概括为：手续简便、交易成本低、贷款时间灵活、便于提高农民组织化程度。面对分散的小额贷款市场,农村资金互助社具备组织和制度上的优势,有利于发挥金融体系毛细血管的作用,从而成为农村金融体系的有效补充。 农村资金互助社是真正意义上的微型金融机构。凤阳县农村资金互助社在发展的过程中,取得了一些宝贵的经验,同时也遇到一些难题,在外部资源利用效率、自身规范化运作和长期良好发展等方面仍然有很多工作要完善。本文一共分为六个部分：第一部分为农村资金互助社的基本理论概述,从理论角度认定农村资金互助社属于微型金融机构；第二部分为凤阳县农村资金互助社发展的历程及现状分析,通过分析得出互助社经过几年的快速发展,规模水平得到快速提升,内部运作效率仍需加强；第三部分为凤阳县农村资金互助社的运作分析,主要从资金来源、贷款业务、风险控制、盈利分配等方面阐述凤阳县农村资金互助社的具体运作；第四部分是凤阳县农村资金互助社面临的问题分析,主要从互助社自身存在的问题和外部环境问题两个方面进行阐述；第五部分为国内外微型金融发展的经验和启示,通过对国内外微型金融发展的成功案例进行分析,为凤阳县农村资金互助社发展提供经验借鉴；第六部分为加快发展凤阳县农村资金互助社的对策建议,针对凤阳县农村资金互助社存在的问题提出相应的对策建议,为凤阳县农村资金互助社发展提供理论依据。
[Abstract]:For a long time, the state-owned commercial banks and the rural credit cooperatives have been putting in small amounts of money, short term, scattered fund loan service to farmers, the internal motive force is insufficient, and the demand for rural financial services is fully satisfied. It is under the background that the allocation of financial resources in urban and rural areas is not balanced and the system of rural investment and financing is not perfect, the emergence of rural mutual aid societies has its rationality and necessity. From the advantage of the rural mutual fund cooperative, it can be summarized simply as follows: simple procedure, low transaction cost, flexible loan time, and easy to improve the organization degree of farmers. In the face of the scattered micro-credit market, the rural mutual fund societies have the advantage of organization and system, which is helpful to give play to the role of capillaries in the financial system and thus become an effective supplement to the rural financial system. Rural mutual fund society is the real micro-financial institutions. In the process of development, Fengyang County Rural Fund Mutual Cooperative has gained some valuable experience and encountered some difficult problems. There are still a lot of work to be done in the aspects of external resource utilization efficiency, its own standardized operation and long-term good development and so on. This paper is divided into six parts: the first part is the overview of the basic theory of rural mutual fund cooperatives, from the theoretical point of view that the rural capital cooperatives belong to micro-financial institutions; The second part is the development process and current situation analysis of Fengyang rural fund cooperative. Through the analysis, it is concluded that after several years of rapid development, the level of scale has been rapidly improved, and the internal operational efficiency still needs to be strengthened; The third part is the operation analysis of Fengyang County Rural Fund Co-operative Society, mainly from the sources of funds, loan business, risk control, profit distribution and other aspects of Fengyang County Rural Fund Co-operative specific operation; The fourth part is the analysis of the problems faced by Fengyang County Rural Fund Credit Association, mainly from two aspects: the problems existing in the mutual aid society and the external environmental problems; the fifth part is the experience and inspiration of the development of micro-finance at home and abroad. Through the analysis of the successful cases of the development of micro-finance at home and abroad, it provides experience and reference for the development of Fengyang County Rural Fund Co-operative Society. The sixth part is the countermeasures and suggestions for speeding up the development of Fengyang County Rural Fund Co-operative Society. In order to provide theoretical basis for the development of Fengyang rural fund cooperative, this paper puts forward the corresponding countermeasures and suggestions for the problems existing in Fengyang rural fund cooperative.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
本文编号：2221847
[Abstract]:For a long time, the state-owned commercial banks and the rural credit cooperatives have been putting in small amounts of money, short term, scattered fund loan service to farmers, the internal motive force is insufficient, and the demand for rural financial services is fully satisfied. It is under the background that the allocation of financial resources in urban and rural areas is not balanced and the system of rural investment and financing is not perfect, the emergence of rural mutual aid societies has its rationality and necessity. From the advantage of the rural mutual fund cooperative, it can be summarized simply as follows: simple procedure, low transaction cost, flexible loan time, and easy to improve the organization degree of farmers. In the face of the scattered micro-credit market, the rural mutual fund societies have the advantage of organization and system, which is helpful to give play to the role of capillaries in the financial system and thus become an effective supplement to the rural financial system. Rural mutual fund society is the real micro-financial institutions. In the process of development, Fengyang County Rural Fund Mutual Cooperative has gained some valuable experience and encountered some difficult problems. There are still a lot of work to be done in the aspects of external resource utilization efficiency, its own standardized operation and long-term good development and so on. This paper is divided into six parts: the first part is the overview of the basic theory of rural mutual fund cooperatives, from the theoretical point of view that the rural capital cooperatives belong to micro-financial institutions; The second part is the development process and current situation analysis of Fengyang rural fund cooperative. Through the analysis, it is concluded that after several years of rapid development, the level of scale has been rapidly improved, and the internal operational efficiency still needs to be strengthened; The third part is the operation analysis of Fengyang County Rural Fund Co-operative Society, mainly from the sources of funds, loan business, risk control, profit distribution and other aspects of Fengyang County Rural Fund Co-operative specific operation; The fourth part is the analysis of the problems faced by Fengyang County Rural Fund Credit Association, mainly from two aspects: the problems existing in the mutual aid society and the external environmental problems; the fifth part is the experience and inspiration of the development of micro-finance at home and abroad. Through the analysis of the successful cases of the development of micro-finance at home and abroad, it provides experience and reference for the development of Fengyang County Rural Fund Co-operative Society. The sixth part is the countermeasures and suggestions for speeding up the development of Fengyang County Rural Fund Co-operative Society. In order to provide theoretical basis for the development of Fengyang rural fund cooperative, this paper puts forward the corresponding countermeasures and suggestions for the problems existing in Fengyang rural fund cooperative.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
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