黑龙江省农民合作社内部资金互助组织发展对策研究

发布时间：2018-05-01 23:09

本文选题：农民合作社 + 内部资金互助　；参考：《东北农业大学》2017年硕士论文

【摘要】：近年来农民合作社内部资金互助组织成为农村金融发展的新亮点,在缓解农户融资难、丰富农村金融体系以及推动农村经济快速发展等方面发挥着重要作用。自2008年政府首次确定了农民合作社内部信用合作的合规性,2008-2017年中央一号文件逐步引导并规范农民合作社内部信用合作试点活动,农民合作社内部资金互助组织日益兴起,且成效显著。在此背景下,黑龙江省积极探索发展农民合作社内部资金互助组织,现正处于初期阶段且发展速度较快,取得了一些成效,但总体来说,与国内其他优秀农民合作社内部资金互助组织还存在一定差距,其在发展中面临的问题也日益凸显。基于黑龙江省农民合作社内部资金互助组织发展的重要性和紧迫性,本文针对农民合作社内部资金互助组织的发展对策展开研究,有利于促进黑龙江省农民合作社内部资金互助组织实现健康、高效、可持续的发展,缓解农户信贷需求与农村金融供给的矛盾,增强农村金融服务能力,实现黑龙江省农村经济的快速发展。本文以黑龙江省农民合作社内部资金互助组织为研究核心,通过规范界定农民合作社内部资金互助组织的涵义和特征,在普惠金融理论、农村合作金融理论、耗散结构理论和产权理论的基础上,运用文献研究法、调查研究法、规范分析与实证分析相结合、归纳法与演绎法相结合的方法对黑龙江省农民合作社内部资金互助组织发展对策展开研究。首先,基于资料收集和实地调研结果,规范分析了黑龙江省农民合作社内部资金互助组织的发展现状、问题及成因,总结出立法滞后、政策的可操作性不强、金融机构“惜贷”、组织内部建设不规范以及农村互助合作文明发展滞后是导致问题产生的主要原因;其次,创新性地运用AHP-DEMATEL模型对黑龙江省农民合作社内部资金互助组织发展的影响因素做出综合分析,确定了资本总额、内部治理、社员心理认知度、政策扶持力度及社长能力等因素的影响程度;再次,结合国内典型农民合作社内部资金互助组织发展的成功经验,得出了黑龙江省农民合作社内部资金互助组织应注重优化股金设置机制、完善资金借贷体系、加强风险防范建设三方面启示;最后,通过以上规范分析与实证分析,从健全组织体系与优化外部环境层面,提出黑龙江省农民合作社内部资金互助组织发展的对策与建议。囿于能力及论文篇幅所限,本文对诸如股金设置机制等问题未作更为细致的剖析,以期在后续深入研究中完善相关问题的论述。
[Abstract]:In recent years, mutual fund organizations in farmers' cooperatives have become a new bright spot in the development of rural finance, which plays an important role in alleviating the difficulties of farmers' financing, enriching the rural financial system and promoting the rapid development of rural economy. Since 2008, when the government first determined the compliance of credit cooperation within farmers' cooperatives (2008-2017), the first document of the Central Committee gradually guided and standardized the pilot activities of credit cooperation within farmers' cooperatives, and mutual fund organizations within farmers' cooperatives have been rising day by day. And the effect is remarkable. In this context, Heilongjiang Province is actively exploring the development of mutual fund organizations within farmers' cooperatives, which is in its initial stage and has achieved some results, but generally speaking, There is still a certain gap between the internal mutual fund organizations of other excellent farmers' cooperatives in China and the problems they face in the development. Based on the importance and urgency of the development of mutual fund organizations within farmers' cooperatives in Heilongjiang Province, this paper studies the development countermeasures of mutual funds organizations within farmers' cooperatives. It will help to promote the healthy, efficient and sustainable development of mutual fund organizations within farmers' cooperatives in Heilongjiang Province, alleviate the contradiction between farmers' credit demand and rural financial supply, and strengthen the ability of rural financial services. To realize the rapid development of rural economy in Heilongjiang Province. This paper focuses on the mutual fund organizations of farmers' cooperatives in Heilongjiang Province, defines the meaning and characteristics of mutual funds organizations in farmers' cooperatives by standardizing, in the theory of inclusive finance, the theory of rural cooperative finance, and the theory of rural cooperative finance. On the basis of dissipative structure theory and property right theory, using literature research method, investigation research method, normative analysis and empirical analysis, The method of inductive method and deductive method is used to study the development countermeasures of mutual fund organizations in farmers' cooperatives in Heilongjiang province. First of all, based on the results of data collection and field investigation, this paper normatively analyzes the current situation, problems and causes of the development of mutual fund organizations in the farmers' cooperatives in Heilongjiang Province, and concludes that legislation lags behind, and the policy is not operable. Financial institutions' reluctance to lend, the non-standard internal construction of the organization and the lag in the development of mutual aid and cooperation civilization in rural areas are the main causes of the problem; secondly, This paper makes a comprehensive analysis of the factors influencing the development of mutual fund organizations in farmers' cooperatives in Heilongjiang Province by using the AHP-DEMATEL model innovatively, and determines the total capital amount, internal governance, and the psychological cognition of members. The degree of influence of policy support and the ability of president. Thirdly, combining with the successful experience of the development of mutual fund organizations in typical farmers' cooperatives in China, Finally, through the above normative analysis and empirical analysis, the author draws the conclusion that the mutual fund organizations of farmers' cooperatives in Heilongjiang Province should pay attention to optimizing the mechanism of setting up stock funds, perfecting the system of capital lending and strengthening the construction of risk prevention; finally, through the above normative analysis and empirical analysis, From the aspect of perfecting the organization system and optimizing the external environment, this paper puts forward the countermeasures and suggestions for the development of mutual fund organizations in the farmers' cooperatives in Heilongjiang province. Due to the limitation of the ability and the length of the paper, this paper has not made a more detailed analysis of the problems such as the mechanism of setting up the stock fund, in order to improve the discussion of the related problems in the further study.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.42;F302.6

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