河北省合作社资金互助风险问题及防范研究

发布时间：2018-08-11 16:24

【摘要】：2004年“中央一号文件”鼓励兴办直接为“三农”服务的新型农村金融组织。新型农村金融组织的出现对我国农村经济的发展起着至关重要的作用,在政策的支持下,2004年7月10日吉林百信资金互助社成立,标志着新型农民信用合作组织重建的开始。2008年农民资金互助制度在河北得到复制和推广,农民资金互助组织的出现减轻了农民资金需求不足的压力,积极地促进县域经济发展。此时各项政策也都在积极地引导各地的合作社培育发展资金互助。在此基础上,河北省合作社资金互助的发展也初具规模,然而,从近几年的运行情况来看,河北省各地合作社资金互助的数量在增加,质量却没有得到提高,由于内部管理不善,外部监管不到位等各种原因,使得合作社资金互助的运行和持续发展潜伏着一定的风险。因此,防范合作社资金互助风险成为当前迫切需要解决的难题。本文探讨河北省合作社资金互助的风险管理问题,构建合作社资金互助风险评价指标体系,旨在为合作社资金互助的健康开展和运行提供有效的对策建议,具有一定的现实意义。本文中的数据来源于实地调研和问卷调查,实地调研主要是以河北省37家合作社及其中开展资金互助的合作社为样本,分布在保定、邯郸、唐山等地区。在层次分析法应用中,采用的问卷调查方式获得数据。以农村金融理论、风险管理理论等理论为指导,采用问卷调查,层次分析方法,本文主要研究了三个问题,并得出相应结论:(1)根据实地调研的数据,从发展规模、社员学历、借款额度、风险管理办法、监管方式等六个方面分析目前河北省合作社资金互助的大体运行情况,得出的结论主要有:现阶段河北省合作社资金互助现有的风险管理办法包括:防范贷款风险的办法,规避信用风险的办法等。目前合作社资金互助的风险管理存在的问题:内部组织结构不完善、缺少有效的外部监管。在此基础上并借鉴前人的研究结论,总结了合作社资金互助的风险因素:人力资源风险、操作风险、市场环境风险、自然风险等。(2)构建了合作社资金互助风险评价指标体系。在前文总结合作社资金互助面临的风险,并查阅大量资料的基础之上,运用层次分析法并结合专家意见,将合作社资金互助面临的风险及影响因素进行重要性排序,得出对合作社资金互助风险影响较重要的几种因素:内部监管力度、人才数量规模、自然灾害冲击力、政府政策支持等。(3)根据层次分析法的研究结论,有针对性的提出风险防范建议:加强内部治理及制度优化,降低操作风险;坚持“走出去”与“引进来”相结合的人才战略;引进农业保险,提高农业生产对风险的抵抗能力;银监会把合作社资金互助纳入其监管范围,并加强网络监管;政府充分发挥职能,提供政策优惠与支持。创新点:本文创新点主要体现在研究方法上,本文将层次分析法应用到对河北省合作社资金互助风险的评价上,构建出合作社资金互助风险评价指标体系,对风险的影响因素进行重要性排序,把系统的复杂的风险更加简单直观的描述出来,从而为合作社资金互助的经营者及管理者防范风险的决策提供科学依据。
[Abstract]:In 2004, the "No.1 Document of the Central Committee" encouraged the establishment of new rural financial organizations directly serving agriculture, countryside and farmers. The emergence of new rural financial organizations plays a vital role in the development of China's rural economy. With the support of the policy, the establishment of Jilin Baixin mutual fund cooperative on July 10, 2004 marked the establishment of a new type of farmers'credit cooperative group. In 2008, the peasant mutual aid system was replicated and popularized in Hebei Province. The emergence of peasant mutual aid organizations alleviated the pressure of insufficient fund demand of peasants and actively promoted the development of county economy. At this time, various policies are actively guiding cooperatives around the region to cultivate and develop mutual aid funds. However, in recent years, the number and quality of mutual fund assistance among cooperatives in Hebei Province have been increasing, but the quality has not been improved. Due to various reasons, such as poor internal management and inadequate external supervision, the operation and sustainable development of mutual fund assistance among cooperatives lurk. Therefore, it is an urgent problem to guard against the risk of mutual fund assistance of cooperatives. This paper discusses the risk management of mutual fund assistance of cooperatives in Hebei Province, and constructs the risk evaluation index system of mutual fund assistance of cooperatives, aiming at providing effective countermeasures and suggestions for the healthy development and operation of mutual fund assistance of cooperatives. The data in this paper come from the field survey and questionnaire survey. The field survey is mainly based on 37 cooperatives in Hebei Province and the cooperatives in which mutual funds are carried out. The data are distributed in Baoding, Handan, Tangshan and other areas. In the application of AHP, the questionnaire survey method is used to obtain data. Guided by the theory of risk management, this paper mainly studies three problems by questionnaire survey and analytic hierarchy process, and draws corresponding conclusions: (1) According to the data of field investigation, it analyzes the mutual fund assistance of cooperatives in Hebei Province from six aspects: development scale, members'educational background, loan quota, risk management methods, supervision methods, etc. The main conclusions are as follows: At present, the existing risk management methods of mutual fund assistance in Hebei cooperatives include: methods to prevent loan risks, methods to avoid credit risks and so on. On the basis of previous research conclusions, this paper summarizes the risk factors of cooperative mutual funds, such as human resources risk, operational risk, market environment risk, natural risk, etc. (2) It constructs the risk evaluation index system of cooperative mutual funds. By using the analytic hierarchy process and combining with the expert's opinions, this paper ranks the risks and influencing factors faced by cooperatives'mutual funds, and concludes several important factors influencing cooperatives' mutual funds risks: internal supervision, the quantity and scale of talents, the impact of natural disasters, government policy support, etc. (3) According to the research of the analytic hierarchy process. In conclusion, the paper puts forward some suggestions on risk prevention: strengthening internal governance and system optimization to reduce operational risks; adhering to the talent strategy of "going out" and "introducing in"; introducing agricultural insurance to improve the resistance of agricultural production to risks; the CBRC will bring mutual financial assistance of cooperatives into its supervision scope and strengthen the network Innovation: The innovation of this paper is mainly embodied in the research methods. This paper applies the analytic hierarchy process to the evaluation of the mutual fund risk of cooperatives in Hebei Province, and constructs the evaluation index system of mutual fund risk of cooperatives, and ranks the influencing factors of the risk. In order to provide a scientific basis for the managers and managers of cooperatives to prevent the risks, the complicated risks of the system are described more simply and intuitively.
【学位授予单位】：河北农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F321.42

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