专业合作社信用互助:山东试点研究

发布时间：2018-04-11 18:58

  本文选题：农民专业合作社 + 信用互助　； 参考：《农业经济问题》2017年11期

【摘要】：本文总结了山东省农民专业合作信用互助试点(简称"山东试点")的运作模式、业务创新及其实践偏差,并通过典型案例分析发现,产业基础、供应链金融与高社会资本是信用互助的"标配"。本文判断,"山东试点"正处在由资金的"民间借贷"向信用的"内扶外助"转轨。从短期来看,监管部门应在着力引导合作社践行合作理念的同时,尊重参与各方的利益关切,特别是对领办主体实施审慎监管,发挥其在信用互助业务中的引领作用。建议强化信用的"内助外扶",着重发展外部融资,积极发挥"山东试点"制度优势。
[Abstract]:This paper summarizes the operation mode, business innovation and practice deviation of Shandong Peasants' Professional Cooperative Credit Mutual Assistance pilot ("Shandong pilot"), and finds that the industrial foundation is based on the analysis of typical cases.Supply chain finance and high social capital are the standard of credit mutual aid.In this paper, Shandong pilot is in the transition from private loan to credit.In the short term, the regulatory authorities should focus on guiding cooperatives to practice the concept of cooperation, while respecting the interest concerns of all parties involved, especially to exercise prudential supervision of the leading bodies and give play to their leading role in credit mutual assistance business.It is suggested that the credit should be strengthened, the external financing should be developed, and the advantages of Shandong pilot system should be brought into full play.
【作者单位】： 山东大学经济学院;山东财经大学财政税务学院;
【基金】：国家社会科学基金项目“地方政府社会治理创新对公共服务的影响研究”(编号:14BGL148)
【分类号】：F832.35
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本文编号：1737262