异质性合作社的信用合作：一个文献综述

发布时间：2018-07-03 05:14

本文选题：异质性合作社 + 信用合作　；参考：《安徽财经大学》2015年硕士论文

【摘要】：由于社员在农民专业合作社中拥有的要素差异、参与合作社动机与扮演角色等方面的不同,社员异质性问题便一直伴随着农民专业合作社的发展,异质性的存在使得合作社内部产权、治理结构存在核心社员掌控经营控制权、“一人一票”制丧失公平原则、“监管”、“激励”等制度存在缺陷。作为农业发展中的弱势群体,融资难、正规金融服务不足、借贷信息不对称等因素制约着合作社的可持续发展。上述种种现实基础促使了合作社的发展与信用合作的耦合,在农村金融服务不足、需求多元化发展的农村地区对三农资金借贷需求、合作社发展治理找到相应的解决范式。本文以信用合作为主线,主要从异质性合作社信用发展的发展历程及现状、产生的现实基础、规范其发展的政策建议等相关问题的研究成果进行梳理。如何在诸多困境中找到适合合作社发展的道路,理论和实践界众多学者纷纷展开调研。本文首先对信用合作在中国的发展历程进行梳理,并给出基于异质性合作社上的信用合作产生背景、面临问题和各地实践探索进行介绍。产权结构直接影响合作社的治理结构,从而影响信用合作的开展,然后文章重点围绕产权及治理结构及其缺陷,本文对产权漂移、剩余索取权问题和治理机制中存在的收入分配、监控激励机制的缺陷等现实基础下信用合作的开展进行相关文献梳理,并针对制约信用合作开展的核心问题——融资难的内外困境进行简要的总结。最后,根据国外成功的信用合作案例,结合我国信用合作的探究实践,给出优化治理结构、加强监督管理机制等建议,找到适合异质性合作社开展信用合作的发展之路。
[Abstract]:Because of the difference of the essential factors of the members in the farmers' professional cooperatives, the motivation and the role of the cooperatives, the heterogeneity of the members has always been accompanied by the development of the farmers' professional cooperatives. The existence of heterogeneity makes the internal property rights of cooperatives, governance structure has core members to control the management control, "one person, one vote" system loses the principle of fairness, "supervision", "incentive" and other systems have defects. As a weak group in agricultural development, financing difficulties, inadequate formal financial services, asymmetric lending information and other factors restrict the sustainable development of cooperatives. All these realistic foundations have promoted the coupling of cooperative development and credit cooperation. In the rural areas where the rural financial services are insufficient and the demand is diversified, the rural areas need to borrow funds for agriculture, rural areas and farmers, and the cooperative development governance has found the corresponding solution paradigm. In this paper, the credit cooperation as the main line, mainly from the heterogeneous cooperative credit development process and status quo, the reality of the basis of its development, the development of the policy recommendations and other related research results are combed. Many scholars in theory and practice have carried out research on how to find a suitable way for cooperative development in many difficulties. In this paper, the development of credit cooperation in China is first combed, and the background of credit cooperation based on heterogeneity cooperatives, problems and practical exploration are introduced. The structure of property right directly affects the structure of cooperative governance, thus affects the development of credit cooperation. Then, the article focuses on the property right, governance structure and its defects. On the basis of the problems of residual claim and income distribution in the governance mechanism, the defects of monitoring and incentive mechanism, and so on, the relevant literature on the development of credit cooperation is combed. The paper also summarizes the internal and external difficulties of credit cooperation, which is the core problem of credit cooperation. Finally, according to the successful cases of credit cooperation in foreign countries and the inquiry practice of credit cooperation in our country, some suggestions are put forward, such as optimizing the governance structure and strengthening the supervision and management mechanism, so as to find a way to develop the credit cooperation suitable for heterogeneous cooperatives.
【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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