【摘要】：長期以來,國有商業(yè)銀行和農(nóng)村信用社向農(nóng)民投放小額、短期、分散的資金貸款服務(wù)內(nèi)在動(dòng)力不足,農(nóng)村金融服務(wù)需求得到充分滿足的難度較大。正是在城鄉(xiāng)金融資源配置不均衡、農(nóng)村投融資體制不健全的大背景下,農(nóng)村資金互助社的產(chǎn)生便存在其合理性和必要性。從農(nóng)村資金互助社的優(yōu)勢來看,可以簡單概括為：手續(xù)簡便、交易成本低、貸款時(shí)間靈活、便于提高農(nóng)民組織化程度。面對(duì)分散的小額貸款市場,農(nóng)村資金互助社具備組織和制度上的優(yōu)勢,有利于發(fā)揮金融體系毛細(xì)血管的作用,從而成為農(nóng)村金融體系的有效補(bǔ)充。 農(nóng)村資金互助社是真正意義上的微型金融機(jī)構(gòu)。鳳陽縣農(nóng)村資金互助社在發(fā)展的過程中,取得了一些寶貴的經(jīng)驗(yàn),同時(shí)也遇到一些難題,在外部資源利用效率、自身規(guī)范化運(yùn)作和長期良好發(fā)展等方面仍然有很多工作要完善。本文一共分為六個(gè)部分：第一部分為農(nóng)村資金互助社的基本理論概述,從理論角度認(rèn)定農(nóng)村資金互助社屬于微型金融機(jī)構(gòu)；第二部分為鳳陽縣農(nóng)村資金互助社發(fā)展的歷程及現(xiàn)狀分析,通過分析得出互助社經(jīng)過幾年的快速發(fā)展,規(guī)模水平得到快速提升,內(nèi)部運(yùn)作效率仍需加強(qiáng)；第三部分為鳳陽縣農(nóng)村資金互助社的運(yùn)作分析,主要從資金來源、貸款業(yè)務(wù)、風(fēng)險(xiǎn)控制、盈利分配等方面闡述鳳陽縣農(nóng)村資金互助社的具體運(yùn)作；第四部分是鳳陽縣農(nóng)村資金互助社面臨的問題分析,主要從互助社自身存在的問題和外部環(huán)境問題兩個(gè)方面進(jìn)行闡述；第五部分為國內(nèi)外微型金融發(fā)展的經(jīng)驗(yàn)和啟示,通過對(duì)國內(nèi)外微型金融發(fā)展的成功案例進(jìn)行分析,為鳳陽縣農(nóng)村資金互助社發(fā)展提供經(jīng)驗(yàn)借鑒；第六部分為加快發(fā)展鳳陽縣農(nóng)村資金互助社的對(duì)策建議,針對(duì)鳳陽縣農(nóng)村資金互助社存在的問題提出相應(yīng)的對(duì)策建議,為鳳陽縣農(nóng)村資金互助社發(fā)展提供理論依據(jù)。
[Abstract]:For a long time, the state-owned commercial banks and the rural credit cooperatives have been putting in small amounts of money, short term, scattered fund loan service to farmers, the internal motive force is insufficient, and the demand for rural financial services is fully satisfied. It is under the background that the allocation of financial resources in urban and rural areas is not balanced and the system of rural investment and financing is not perfect, the emergence of rural mutual aid societies has its rationality and necessity. From the advantage of the rural mutual fund cooperative, it can be summarized simply as follows: simple procedure, low transaction cost, flexible loan time, and easy to improve the organization degree of farmers. In the face of the scattered micro-credit market, the rural mutual fund societies have the advantage of organization and system, which is helpful to give play to the role of capillaries in the financial system and thus become an effective supplement to the rural financial system. Rural mutual fund society is the real micro-financial institutions. In the process of development, Fengyang County Rural Fund Mutual Cooperative has gained some valuable experience and encountered some difficult problems. There are still a lot of work to be done in the aspects of external resource utilization efficiency, its own standardized operation and long-term good development and so on. This paper is divided into six parts: the first part is the overview of the basic theory of rural mutual fund cooperatives, from the theoretical point of view that the rural capital cooperatives belong to micro-financial institutions; The second part is the development process and current situation analysis of Fengyang rural fund cooperative. Through the analysis, it is concluded that after several years of rapid development, the level of scale has been rapidly improved, and the internal operational efficiency still needs to be strengthened; The third part is the operation analysis of Fengyang County Rural Fund Co-operative Society, mainly from the sources of funds, loan business, risk control, profit distribution and other aspects of Fengyang County Rural Fund Co-operative specific operation; The fourth part is the analysis of the problems faced by Fengyang County Rural Fund Credit Association, mainly from two aspects: the problems existing in the mutual aid society and the external environmental problems; the fifth part is the experience and inspiration of the development of micro-finance at home and abroad. Through the analysis of the successful cases of the development of micro-finance at home and abroad, it provides experience and reference for the development of Fengyang County Rural Fund Co-operative Society. The sixth part is the countermeasures and suggestions for speeding up the development of Fengyang County Rural Fund Co-operative Society. In order to provide theoretical basis for the development of Fengyang rural fund cooperative, this paper puts forward the corresponding countermeasures and suggestions for the problems existing in Fengyang rural fund cooperative.
【學(xué)位授予單位】：安徽財(cái)經(jīng)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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