本文選題：合作金融　切入點：合作金融組織　出處：《廣西師范大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：我國是一個農(nóng)業(yè)大國,農(nóng)業(yè)及農(nóng)村發(fā)展都對資金有著較大需求。當(dāng)前,有效資金需求得不到滿足已成為制約農(nóng)業(yè)及農(nóng)村發(fā)展的瓶頸,改革農(nóng)村金融市場勢在必行。 推進(jìn)我國農(nóng)村金融市場改革亟需發(fā)展農(nóng)村合作金融組織。農(nóng)村資金互助社作為農(nóng)村金融創(chuàng)新的一種制度安排,是一種新型合作金融組織。雖然銀監(jiān)會曾發(fā)布《農(nóng)村資金互助社管理暫行規(guī)定》等相關(guān)條例,但農(nóng)村資金互助社在發(fā)展中暴露出一些亟待解決的問題,需要認(rèn)真加以探討。 農(nóng)村資金互助社有深厚的歷史根源,需要結(jié)合其歷史發(fā)展特點做出系統(tǒng)動態(tài)分析。當(dāng)前,我國農(nóng)村資金互助社主要有內(nèi)生型資金互助、外力推動型資金互助以及綜合型資金互助三種主要模式。 資金借貸制度、風(fēng)險控制制度、農(nóng)戶的收入水平及外部保障機(jī)制是影響農(nóng)村資金互助社運(yùn)行績效的主要因素。來自陜西省代表縣市的經(jīng)驗數(shù)據(jù)表明,農(nóng)村資金互助社在解決農(nóng)村小額信貸和發(fā)展合作金融方面有其獨特優(yōu)勢,農(nóng)村資金互助社較高的貸款回收率對于農(nóng)戶的增收有較大的促進(jìn)作用。但是,農(nóng)村資金互助社本身發(fā)展對財政補(bǔ)貼的強(qiáng)依賴性,以及覆蓋面與持續(xù)性之間不可兼得的矛盾也明顯制約其進(jìn)一步發(fā)展。 針對農(nóng)村資金互助社發(fā)展中存在的突出問題,進(jìn)一步推進(jìn)農(nóng)村資金互助社的發(fā)展可以從以下方面著手：完善內(nèi)部制度設(shè)計,包括健全規(guī)章制度、完善融資制度、規(guī)范財務(wù)審計制度；提高社員素質(zhì),增強(qiáng)組織凝聚力；加大政府的扶持力度;拓展資金來源渠道,包括放寬利率管制、成立信用擔(dān)保社、幫助農(nóng)戶增收等；完善風(fēng)險管理機(jī)制。
[Abstract]:Our country is a big agricultural country, both agriculture and rural development have a great demand for funds. At present, the unsatisfied demand for effective funds has become the bottleneck restricting the development of agriculture and rural areas, so it is imperative to reform the rural financial market. To promote the reform of rural financial market in China, it is urgent to develop rural cooperative financial organizations. It is a new type of cooperative financial organization. Although the CBRC has issued interim regulations on the Management of Rural Fund Credit unions and other relevant regulations, it has exposed some urgent problems in the development of rural mutual funds cooperatives, which need to be seriously discussed. Rural mutual fund cooperatives have deep historical roots and need to be systematically and dynamically analyzed according to their historical development characteristics. At present, rural fund mutual aid societies in China mainly have endogenous mutual funds. Three main modes of external force push-type fund mutual aid and comprehensive fund mutual aid. Capital lending system, risk control system, peasant household income level and external guarantee mechanism are the main factors that affect the performance of rural fund mutual aid society. The rural fund cooperative has its unique advantages in solving the problems of rural micro-credit and development cooperation finance. The higher loan recovery rate of the rural fund cooperative has a great effect on the increase of farmers' income. The development of rural fund mutual aid society itself depends strongly on financial subsidies, and the contradiction between coverage and sustainability obviously restricts its further development. In view of the outstanding problems existing in the development of the rural fund cooperative, we can further promote the development of the rural fund cooperative from the following aspects: perfecting the internal system design, including perfecting the rules and regulations, perfecting the financing system, We should standardize the financial audit system; improve the quality of the members and strengthen the cohesion of the organization; increase the support of the government; expand the sources of funds, including the relaxation of interest rate control, the establishment of credit guarantee agencies to help farmers increase income; and improve the risk management mechanism.
【學(xué)位授予單位】：廣西師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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本文編號：1585180