本文選題：農(nóng)村資金互助社 + 組織成長(zhǎng)�。� 參考：《湖南農(nóng)業(yè)大學(xué)》2012年碩士論文

【摘要】：金融是經(jīng)濟(jì)的核心,農(nóng)村金融的支持是農(nóng)村經(jīng)濟(jì)發(fā)展的關(guān)鍵。當(dāng)前,我國(guó)農(nóng)村金融體系并不完善,許多貧困農(nóng)民、中小企業(yè)的資金需求難以得到滿足。到1997年國(guó)有商業(yè)銀行幾乎從農(nóng)村地區(qū)全面撤出,使農(nóng)村信用社成了農(nóng)村金融的主體。但作為正規(guī)金融支農(nóng)主力軍的農(nóng)村信用合作社在改革中離合作金融越來越遠(yuǎn)。于是,通過互助和合作,以利他進(jìn)而實(shí)現(xiàn)利己的農(nóng)村資金互助社應(yīng)運(yùn)而生,彌補(bǔ)了農(nóng)村金融體系的缺陷,促進(jìn)了農(nóng)村經(jīng)濟(jì)的發(fā)展。但其作為一種新型的農(nóng)村金融機(jī)構(gòu),在其試點(diǎn)過程中逐漸暴露出不少問題。而如何構(gòu)建農(nóng)村資金互助社的發(fā)育機(jī)制,創(chuàng)造有利于資金互助社發(fā)育的環(huán)境條件,促進(jìn)互助社的健康、可持續(xù)發(fā)展就顯得尤為重要。 本文首先從新型農(nóng)村資金互助社發(fā)育機(jī)制構(gòu)建的相關(guān)理論入手,闡述了產(chǎn)業(yè)組織理論、普惠金融理論、交易費(fèi)用理論、合作博弈理論及委托代理理論。隨后系統(tǒng)總結(jié)了我國(guó)新型農(nóng)村資金互助社的特征、發(fā)展成就及存在問題,發(fā)現(xiàn)自試點(diǎn)以來,資金互助社數(shù)量日趨增多、規(guī)模不斷擴(kuò)大、發(fā)展方式也呈現(xiàn)多樣化的趨勢(shì),但仍存在地區(qū)之間發(fā)展不平衡、社會(huì)認(rèn)同度低、資金缺乏等問題,資金互助社在發(fā)育過程中存在被邊緣化的現(xiàn)象。其次介紹了目前我國(guó)新型農(nóng)村資金互助社的發(fā)育方式,基于對(duì)資金互助社相關(guān)主體(農(nóng)民、政府、監(jiān)管機(jī)構(gòu)、其他農(nóng)村金融機(jī)構(gòu))的行為動(dòng)機(jī)分析,找出了新型農(nóng)村資金互助社發(fā)育的動(dòng)因,并分析了互助社發(fā)育的環(huán)境條件。接著總結(jié)了國(guó)外農(nóng)村合作金融組織的發(fā)育經(jīng)驗(yàn),從動(dòng)力機(jī)制、利益分配機(jī)制、組織運(yùn)行機(jī)制及政策扶持機(jī)制四個(gè)方面來構(gòu)建我國(guó)新型農(nóng)村資金互助社的發(fā)育機(jī)制。最后,在堅(jiān)持“政府支持、精英領(lǐng)導(dǎo)、農(nóng)民參與”的基本思想的指導(dǎo)下,提出了優(yōu)化發(fā)育環(huán)境,促進(jìn)我國(guó)新型農(nóng)村資金互助社快速健康發(fā)育的對(duì)策建議。
[Abstract]:Finance is the core of economy, and the support of rural finance is the key to the development of rural economy.At present, China's rural financial system is not perfect, many poor farmers, small and medium-sized enterprises' capital needs are difficult to meet.By 1997, state-owned commercial banks almost withdrew from rural areas, making rural credit cooperatives the main body of rural finance.However, the rural credit cooperatives, as the main force of supporting agriculture in formal finance, are further away from cooperative finance in the reform.Therefore, through mutual aid and cooperation, the mutual aid society of rural funds came into being, which made up for the defects of the rural financial system and promoted the development of rural economy.However, as a new type of rural financial institution, it gradually exposed many problems in its pilot process.How to construct the development mechanism of the rural fund cooperative, to create the environmental conditions conducive to the development of the fund cooperative, and to promote the health of the cooperative, the sustainable development is particularly important.This paper begins with the related theories of the development mechanism of the new rural fund mutual aid society, and expounds the industrial organization theory, the inclusive finance theory, the transaction cost theory, the cooperative game theory and the principal-agent theory.Then it systematically summarizes the characteristics, development achievements and existing problems of the new rural mutual aid cooperatives in China. It is found that since the pilot project, the number and scale of the new rural mutual aid cooperatives have increased day by day, and the development patterns have also shown a trend of diversification.However, there are still some problems, such as unbalanced development between regions, low social identity, lack of funds and so on.Secondly, it introduces the development mode of the new type of rural fund cooperative in our country, based on the analysis of the behavior motivation of the related main bodies (farmers, governments, regulators, other rural financial institutions).This paper finds out the motivation of the development of the new rural fund cooperative, and analyzes the environmental conditions of the development of the new rural fund cooperative.Then summarizes the development experience of foreign rural cooperative financial organizations, from the power mechanism, benefit distribution mechanism, organization operation mechanism and policy support mechanism to construct the development mechanism of the new rural fund mutual aid in our country.Finally, under the guidance of the basic idea of "government support, elite leadership and farmers' participation", the author puts forward some countermeasures and suggestions on how to optimize the development environment and promote the rapid and healthy development of the new type of rural fund cooperative in China.
【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】：2012
【分類號(hào)】：F832.35

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本文編號(hào)：1750913