温州农村资金互助组织发展研究

发布时间：2018-06-07 22:51

本文选题：温州 + 农村金融　；参考：《浙江海洋大学》2017年硕士论文

【摘要】：我国农村金融自改革开放以来渐渐发展,在农村经济可持续健康发展上做出了巨大的贡献。然而在农村,农民最希望得到突破的“融资难”问题却迟迟没有得到本质意义上的解决,并严重制约了“三农”发展。温州农村资金互助组织作为在农村金融改革中诞生的一种全新的产物,在一定程度上缓解了农村多元化的资金需求。近年来,国家中央一号文件频频提及农村资金互助组织的发展,可见其重要性。本文先将农村资金互助组织按照所提供的服务和所依托的载体两种分类方式进行分析,通过调查分析当前温州农村资金互助组织发展的总体概况,并分别从其运营模式和运营状况具体分析,发现农村资金互助组织还存在法律地位不明晰、体制尚未理顺、管理制度不规范、防控能力有待提高、资金来源渠道有限等问题。通过农村合作基金会的发展实践,从中总结出有利于温州农村资金互助组织发展的启示,以此来指导温州模式农村资金互助组织的健康发展。通过调查研究,本文认为:(1)政府部门首先要赋予互助组织明确的法律地位,出台相关法律依据;明确互助组织的监管主体,理顺管理体制;修改完善基础上健全相关政策体系,加大财政补助力度;建立防控机制,制定风险预案;加大宣传力度,提升专业形象。(2)资金互助组织在运营上要明确规模,严格覆盖范围;明确性质,确保其惠农性;提高互助组织吸引力,适当放宽占用费率;严格组织管理,建立约束机制;结合互助组织实际,建立避险机制;规避组织风险,建立信用制度等。
[Abstract]:Since the reform and opening up, rural finance in China has made great contributions to the sustainable and healthy development of rural economy. However, in rural areas, the problem of "financing difficulty", which farmers most want to break through, has not been solved in essence, and has seriously restricted the development of "agriculture, rural areas and farmers". As a new product of rural financial reform, Wenzhou rural mutual fund organization alleviates the diversified capital demand in rural areas to a certain extent. In recent years, the development of mutual fund organizations in rural areas has been mentioned frequently in the first document of the State Central Committee, which shows its importance. This article first analyzes the rural mutual fund organizations according to the service provided and the carrier they rely on, and analyzes the general situation of the development of the rural mutual funds organizations in Wenzhou, through the investigation and analysis. From the specific analysis of its operation mode and operation condition, it is found that the legal status of rural mutual fund organizations is not clear, the system has not been straightened out, the management system is not standardized, the ability of prevention and control needs to be improved, and the sources of funds are limited. Through the development practice of the rural cooperative foundation, this paper sums up the enlightenment that is beneficial to the development of Wenzhou rural mutual fund organization, so as to guide the healthy development of Wenzhou model rural mutual fund organization. Through investigation and research, this paper believes that the government departments should first give mutual aid organizations a clear legal status and issue relevant legal basis; clarify the main body of supervision of mutual aid organizations, straighten out the management system; modify and improve the relevant policy system on the basis of perfection. Increase financial subsidy; establish prevention and control mechanism, formulate risk plan; increase publicity, enhance professional image. 2) mutual fund organizations should be clear in the operation of scale, strict coverage, clear nature, to ensure its benefit to agriculture; Improve the attraction of mutual organizations, appropriate relaxation of occupancy rate; strict organization management, establish a restraint mechanism; combined with the reality of mutual organizations, establish a risk-averse mechanism; avoid organizational risks, establish a credit system, etc.
【学位授予单位】：浙江海洋大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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