本文選題：農(nóng)村合作經(jīng)濟(jì)組織　切入點(diǎn)：農(nóng)村合作金融　出處：《湖南農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村金融與合作金融體系構(gòu)建的問(wèn)題一直是國(guó)內(nèi)外學(xué)者、各國(guó)政府關(guān)注的熱點(diǎn)。我國(guó)在這方面的探索較晚,2003年才開(kāi)始農(nóng)村信用合作社的改革試點(diǎn),并迅速在全國(guó)展開(kāi),但改革成效并不盡如人意；2007年銀監(jiān)會(huì)《農(nóng)村資金互助社示范章程》的頒發(fā)為我國(guó)農(nóng)村合作金融組織的發(fā)展、建立完善的農(nóng)村合作金融體系和具有競(jìng)爭(zhēng)性的農(nóng)村金融市場(chǎng)開(kāi)辟了新的路徑。近六年來(lái),全國(guó)各地都進(jìn)行了各種有益的探索和嘗試,在此形勢(shì)下,探索農(nóng)村合作經(jīng)濟(jì)組織參與金融服務(wù)的具體模式對(duì)于促進(jìn)我國(guó)農(nóng)村合作金融的發(fā)展具有重要意義。本文基于金融抑制和金融深化理論、信息不對(duì)稱理論、優(yōu)序融資理論和生產(chǎn)關(guān)系適應(yīng)生產(chǎn)力理論,簡(jiǎn)述增城市農(nóng)村合作經(jīng)濟(jì)組織及其參與金融服務(wù)的發(fā)展現(xiàn)狀,深入分析增城市農(nóng)村合作經(jīng)濟(jì)組織在參與金融服務(wù)過(guò)程中存在的問(wèn)題和原因,結(jié)合國(guó)內(nèi)外農(nóng)村合作金融的成功經(jīng)驗(yàn),提出適合增城市發(fā)展的三種農(nóng)村金融服務(wù)模式：“信用社+合作社”模式、“合作社+供銷聯(lián)社+商業(yè)銀行”模式和“資金互助+擔(dān)�！蹦Ｊ�,最后提出增城市農(nóng)村合作經(jīng)濟(jì)組織參與金融服務(wù)的過(guò)程中還應(yīng)堅(jiān)持合作制原則和金融發(fā)展的多樣性,監(jiān)管及時(shí)跟進(jìn)規(guī)避政策與經(jīng)營(yíng)風(fēng)險(xiǎn),基層合作經(jīng)濟(jì)組織應(yīng)注重人才培養(yǎng)引進(jìn)、實(shí)現(xiàn)科學(xué)管理。
[Abstract]:The construction of rural finance and cooperative finance system has always been a hot topic for scholars at home and abroad and governments all over the world. However, the results of the reform are not satisfactory. In 2007, the CBRC issued the Model articles of Association of Rural Fund Mutual Assistance for the development of rural cooperative financial organizations in China. The establishment of a sound rural cooperative financial system and a competitive rural financial market have opened up a new path. In the past six years, various beneficial explorations and attempts have been made throughout the country. It is of great significance to explore the specific mode of rural cooperative economic organizations participating in financial services for promoting the development of rural cooperative finance in China. This paper is based on the theory of financial repression and financial deepening, information asymmetry theory, The theory of superior order financing and the theory of production relations adapt to productivity theory, and briefly describe the development of rural cooperative economic organizations and their participation in financial services in Zengcheng city. This paper deeply analyzes the problems and reasons of Zengcheng rural cooperative economic organizations in participating in the process of financial services, and combines the successful experience of rural cooperative finance at home and abroad. Three kinds of rural financial service models suitable for Zengcheng city are put forward: "credit cooperative" mode, "cooperative supply and marketing cooperative commercial bank" model and "mutual fund guarantee" model. Finally, it is proposed that Zengcheng rural cooperative economic organizations should adhere to the principle of cooperative system and the diversity of financial development, and follow up and evade the policy and management risks in time. Grass-roots cooperative economic organizations should pay attention to the introduction of talent training and scientific management.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F321.42;F832.35

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