我国农民资金互助合作组织发展的风险评价研究

发布时间：2018-01-15 17:14

本文关键词：我国农民资金互助合作组织发展的风险评价研究　出处：《南京财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村资金互助合作社在在我国农业现代化过程中扮演着重要角色,在促进农民消费、投资,应对突发的事故,能很好地适应农村资金需求多样化的特点。然而,由于发展时间不长,农村资金互助合作社也存在较高的风险,阻碍了它的可持续发展。随着农民资金互助合作组织的生存环境更加的不确定,由于组织规模扩大以及成员异质性使得农民资金互助合作组织的治理日益困难,互助组织将会面临更多风险,因此找出影响互助组织发育、决策和经营绩效的关键风险显得尤为重要,从而使得互助组织能够实施有效的风险管理。有序健康的发展农民资金互助合作组织,规范农民合作社信用合作的方式,意味着在今后一段时间内规范发展农民资金互助社成为研究主题。而如何规范发展则是首先在于识别农民资金互助合作组织的经营风险,并基于风险识别的农民资金互助合作组织风险管理的制度安排。本文研究的主要内容本研究拟基于风险管理理论出发,从全面总结发达国家农村合作金融的发展经验出发,以江苏盐城为例的对我国农民资金互助合作组织的风险形成机制进行分析,构建适合我国农民资金互助合作组织发育的风险识别体系,并进一步构建科学有效的资金互助组织风险评价模式,为我国农民资金互助合作组织的健康有序规范地可持续发展提供参考。本研究涉及的研究方法主要有：1.问卷调查法。主要运用调查问卷对不同类型农民资金互助合作组织进行实地调查,从而获取不同类型农民资金互助合作组织不同风险类型的识别变量,并进行定量化分析。2.层次分析法。在对农民资金互助合作组织问卷调查结果进行分析时,主要运用层次分析法进行指标的选取以及各指标权重的确定。3.模糊综合评价法。通过层次分析法所构建的指标体系,依据所得权重,运用模糊综合评价的定性和定量的分析对盐城市某农村资金互助合作社进行实证分析。进而,对农民资金互助合作组织的经营风险进行进一步地综合评价。已有的相关研究主要侧重于农村资金互助组织的试点评估、发展障碍、发展对策及发育模式和经营绩效等方面,本文的创新点在于从风险识别角度对资金互助社发育过程中面临的风险构建指标体系,并通过模糊综合评价法对某一资金互助合作社进行风险评价的实证研究并提供针对性的建议。
[Abstract]:Rural mutual fund cooperative plays an important role in the process of agricultural modernization in our country. It can promote farmers' consumption, investment and deal with unexpected accidents, and can adapt to the characteristics of diversification of rural capital demand. Because the development time is not long, the rural mutual fund cooperative also has the higher risk, which hinders its sustainable development. Because of the enlargement of the organization scale and the heterogeneity of the members, it is more and more difficult to manage the mutual aid and cooperation organization of farmers, so the mutual aid organization will face more risks, so find out the influence on the development of the mutual aid organization. The key risks of decision-making and management performance are particularly important, so that mutual aid organizations can implement effective risk management, orderly and healthy development of mutual aid and cooperation organizations of farmers' funds. The mode of credit cooperation of farmers' cooperatives should be standardized. It means that in the future, standardizing the development of farmers' mutual fund cooperative has become the research topic. However, how to standardize the development is first to identify the management risks of farmers' mutual aid and cooperation organizations. And based on the risk identification of farmers mutual fund cooperation organization risk management system arrangements. The main content of this study is based on risk management theory. From the comprehensive summary of the development experience of rural cooperative finance in developed countries, taking Yancheng, Jiangsu Province as an example, this paper analyzes the risk formation mechanism of mutual aid and cooperation organizations of farmers' funds in China. Build a risk identification system suitable for the development of mutual fund cooperative organizations of farmers in China, and further build a scientific and effective risk evaluation model of mutual funds organizations. To provide a reference for the healthy and orderly sustainable development of farmers' mutual aid and cooperation organizations. The research methods involved in this study are as follows:. 1. Questionnaire survey method. Mainly use the questionnaire to carry on the field investigation to the different types of farmers' mutual fund cooperation organization. In order to obtain different types of farmers mutual aid and cooperation organizations of different types of risk identification variables. And quantitative analysis .2.Analytic hierarchy process. In the farmers' mutual aid and cooperation organization questionnaire results analysis. The main use of Analytic hierarchy process to select indicators and determine the weight of each index. 3. Fuzzy comprehensive evaluation method. Through the AHP index system, according to the weight. Using fuzzy comprehensive evaluation of qualitative and quantitative analysis of a rural mutual fund cooperative in Yancheng empirical analysis. Further comprehensive evaluation on the management risk of mutual fund cooperative organization of farmers. Related studies have mainly focused on the pilot evaluation of rural mutual fund organizations, development obstacles. The innovation of this paper lies in the risk identification from the perspective of risk identification in the development process of mutual fund societies to build the risk index system. An empirical study on the risk assessment of a mutual fund cooperative is carried out by fuzzy comprehensive evaluation method and relevant suggestions are provided.
【学位授予单位】：南京财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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