农村互助资金风险防范机制研究

发布时间：2018-01-22 20:15

本文关键词： 农村金融合作金融熟人社会非法吸收公众存款互助资金托管银行　出处：《南方金融》2017年01期 　论文类型：期刊论文

【摘要】：设立农村资金互助合作社是缓解农户融资难的重要途径。本文从资金来源、运用以及外部监督角度,论述农村互助资金风险防范机制的若干关键问题。在资金来源方面,应保持社员的稳定性,确保社员以自有资金缴纳互助资金,明确规定社员的互助资金限额和利率上限。在资金运用方面,确定农村资金互助合作社服务的地域范围,充分发挥熟人社会的风险防范机能;可允许互助资金合理运用于生产性投入和生活性消费,同时要注重分析、监控社员偿还能力;发挥农业产业链交易数据系统在信用评级中的作用;适当采取抵押担保方式发放部分互助资金;运用承诺制消除互助资金池;发挥农业保险的保障功能。在外部监督方面,可探索以政府购买服务方式委托合作社所在地银行机构监测互助资金流动状况,推广实施互助资金托管银行制度,建立互助资金信息披露制度,完善互助资金风险处置机制。
[Abstract]:The establishment of rural mutual fund cooperatives is an important way to alleviate the financing difficulties of farmers. This paper from the sources of funds, use and external supervision. This paper discusses some key problems in the risk prevention mechanism of rural mutual aid funds. In terms of the source of funds, it is necessary to maintain the stability of members and ensure that members pay mutual funds with their own funds. Define clearly the limit of mutual aid fund and the upper limit of interest rate of members. In the aspect of fund utilization, determine the regional scope of rural mutual fund cooperative service, and give full play to the risk prevention function of acquaintance society; Mutual funds may be allowed to be reasonably used in productive inputs and living consumption, and at the same time, attention should be paid to analysis and monitoring of members' ability to repay; Give play to the role of agricultural industry chain transaction data system in credit rating; Appropriate use of mortgage guarantees to distribute part of mutual funds; Using commitment system to eliminate mutual fund pool; In the aspect of external supervision, we can explore how to use the government purchase service to entrust the cooperative local banking institutions to monitor the flow of mutual funds, and to promote the implementation of the trust banking system of mutual funds. Establish a mutual fund information disclosure system, improve mutual funds risk management mechanism.
【作者单位】：中国人民大学;中国人民银行;
【基金】：国家社科基金2014年度一般项目《促进生态文明建设的环境金融制度体系构建研究》(项目批准号:14BJY070) 农业部2016年课题《我国农民合作社开展信用合作研究》清华大学中国农村研究院2016年重点课题《普惠金融与深化农村金融改革研究》(项目批准号:CIRS2016-5)的阶段性成果
【分类号】：F832.35
【正文快照】： 近年来,我国农村资金互助合作社发展取得了一定成效,社员之间的资金互助缓解了农民的融资难问题,但同时也暴露出不少风险事件,构建互助资金风险防范机制已然成为保障其可持续发展的关键。农村资金互助风险主要源于互助资金的来源和运用两个方面。其中,在资金来源方面,主要风险

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