基于产权“漂移”视角下的专业合作社可持续信用合作研究

发布时间：2018-01-04 13:21

本文关键词：基于产权“漂移”视角下的专业合作社可持续信用合作研究　出处：《安徽财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：通过发展专业合作社将农民组织起来合作生产是基于农村地区经济不发达情况下解决“三农”问题的有益尝试,在合作社发展过程中开展信用合作是农村金融市场不发达条件下的现实选择,基于合作社开展信用合作有助于实现农村现代化、农业机械化和农民城镇化。但在合作社发展过程中,由于初始资源禀赋不同导致合作社社员异质差距较大,导致合作社发生了不同程度的产权“漂移”,影响了合作社信用合作的可持续性。本文通过对回顾相关文献和对问卷调查进行数据分析的研究表明,普遍存在的合作社社员异质性影响了合作社产权结构的“漂移”,导致合作社信用合作过程中普遍存在的普通社员农户投入不足,而普通农户社员对合作社的投入不足不仅使其难以分享合作社发展红利,更加剧了合作社产权向核心社员“漂移”的进程,又进一步影响合作社信用合作的发展。普通农户社员通过增加对合作社的投入能够改变与核心社员在合作社产权博弈过程中相对议价能力,能够迟滞合作社产权向核心社员“漂移”的趋势,但其效果取决于核心社员在普通农户社员投入过程中的配合。对普通农户社员与核心社员的的产权演化博弈分析的结果表明,普通农户社员选择投入而核心社员选择“攫取”的博弈能够达到ESS稳定,即能够保证合作社及其信用合作的可持续发展,前提是普通农户社员与核心社员的产权演化博弈是正和的,即普通农户社员投入与核心社员“攫取”的收益大于其作出其它选择的收益。本文通过以合作社组织为中心构建一个组织场域,将合作社纳入一个充满制度性规范的组织场域,组织中实存的其它组织、正式的政策法规及与合作社有关的“乡规习俗”都会内化为影响合作社及其信用合作可持续发展的强制性、模仿性和规范性力量。其中合作社自身、中央政府和地方政府的政策规范及资金支持、以农商(合)行、农业银行、邮政储蓄银行和政策性银行对合作社的金融支持,其它农村抵押担保公司、保险公司和小额贷款公司与合作社的交易关系,以及农村地区广泛存在的传统的互助合作意识、熟人的关系网络及合作社“制度企业家”的模范作用都会影响合作社信用合作的可持续发展。
[Abstract]:To organize farmers cooperative production through the development of cooperatives is a beneficial attempt to solve the "three rural" problem of rural economic underdeveloped situation based on development credit cooperation in the development of cooperatives is the realistic choice of rural financial market is developed under the condition of credit cooperatives to carry out cooperation helps to realize rural modernization based on agricultural mechanization and urbanization. But in the development of cooperatives, the initial endowment leads to different cooperative heterogeneous gap, resulting in different degrees of property "drift" affects the sustainability of cooperatives, credit cooperatives cooperation.
Based on the review of the relevant literature and the questionnaire data analysis shows that cooperative heterogeneity exists influence cooperative ownership structure of "drift", resulting in the lack of credit cooperatives cooperation in the process of ordinary members of farmers' investment, rather than ordinary household members into cooperatives not only make it difficult to share development the dividend of cooperatives, exacerbated by the cooperative property rights to the core members of "drift" process, and further influence the development of credit cooperatives cooperation.
Ordinary members of the cooperatives of farmers by increasing investment can change with the core members in the cooperative game of property rights in the process of relative bargaining power, property rights to the core members of cooperatives can delay "drift" trend, but its effect depends on the core members in the ordinary farmer members cast into the process. With the evolution of the core members of the members and ordinary farmers the results show that the property of game analysis, ordinary farmer members chose to invest and core members choose "grab" the game can reach ESS, which can guarantee the credit cooperatives and their cooperation in sustainable development, is the premise and the core members of the ordinary farmer members property is positive and the evolutionary game theory, namely member input and core members "ordinary farmers catch" yields greater than their income. Make other choice
Based on the cooperative organization as the center to build a cooperative organization field, will be incorporated into a full system of standardized organizational field, other organizations exist in the organization, formal and relevant policies and regulations and cooperatives "rural custom" will be internalized into the mandatory influence cooperative and credit cooperation for sustainable development. Imitation and normative power. The cooperative itself, the central government and the local government policy and financial support to agriculture, (a), the Agricultural Bank, bank, postal savings bank and the policy of cooperative financial support and other rural mortgage Guarantee Corporation, insurance companies and small loan companies and cooperatives trading relationship widespread in rural areas and traditional mutual cooperation consciousness, role relationship network and cooperative acquaintance of institutional entrepreneurs will affect the credit cooperatives The sustainable development of cooperation.

【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F321.42

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