黑龍江省農(nóng)村資金互助社績效研究
發(fā)布時間：2018-08-12 12:52
【摘要】：隨著農(nóng)村經(jīng)濟的不斷發(fā)展,農(nóng)村金融體系也在不斷完善。2006年隨著文件《關(guān)于調(diào)整放寬農(nóng)村地區(qū)銀行業(yè)金融機構(gòu)準入政策更好支持社會主義新農(nóng)村建設(shè)的若干意見》出臺,農(nóng)村資金互助社作為一種新型的農(nóng)村合作經(jīng)濟組織在農(nóng)村逐漸成立。2007年《農(nóng)村資金互助社管理暫行規(guī)定》、《農(nóng)村資金互助社組建審批工作指引》、《農(nóng)村資金互助社示范章程》的出臺,對農(nóng)村資金互助社做出進一步政策性指導(dǎo)。從實踐情況來看,在這些政策的指引下黑龍江省農(nóng)村資金互助社取得了一定成效,緩解了農(nóng)村地區(qū)貸款難的問題,農(nóng)戶的收入也有了定的提高。同時,不斷發(fā)展的農(nóng)村資金互助社吸引了越來越多的農(nóng)民參與,這將有利于農(nóng)村資金互助社進一步擴大和發(fā)展。本文以農(nóng)村資金互助社這一新型的農(nóng)村合作經(jīng)濟組織為研究對象重點研究了黑龍省農(nóng)村資金互助社的績效水平。分析農(nóng)村資金互助社發(fā)展現(xiàn)狀,進行績效評價,并就影響農(nóng)村資金互助社績效的原因進行深入分析,可以為黑龍江省農(nóng)村資金互助社的改革和發(fā)展指明方向,同時為黑龍江省農(nóng)村發(fā)展,滿足農(nóng)民貸款資金需要提供切實可行的對策。 本文綜述了國內(nèi)外關(guān)于農(nóng)村金融合作組織的研究動態(tài),在國內(nèi)外研究成果基礎(chǔ)上重點研究了黑龍江省農(nóng)村資金互助社的績效問題。首先對農(nóng)村資金合作社進行了界定,介紹了黑龍江省目前存在的三種類型的農(nóng)村資金互助社,把經(jīng)銀監(jiān)會批準成立在工商部門注冊的7家農(nóng)村資金互助社作為本文的研究對象。其次從農(nóng)戶參與程度、資本規(guī)模、服務(wù)項目等方面分析了黑龍江農(nóng)村資金互助社的發(fā)展現(xiàn)狀并總結(jié)出黑龍江省農(nóng)村資金互助社在發(fā)展過程中存在的資金管理不完善、缺乏風險控制、融資渠道單一等問題。重點討論了黑龍江農(nóng)村資金互助社的績效水平問題,通過調(diào)查問卷的形式對黑龍江省銀監(jiān)會批準成立的7家農(nóng)民資金互助社進行調(diào)研,了解發(fā)展模式、管理水平等情況,針對調(diào)研數(shù)據(jù)對影響黑龍江省農(nóng)民資金互助社績效的因素進行篩選和總結(jié),選出14個變量,建立績效評價體系,然后利用主成分分析的方法進行實證,借助SPSS軟件進行數(shù)據(jù)整理分析,最后評定出7家農(nóng)村資金互助社的績效排名并針對績效分值總結(jié)黑龍江省農(nóng)民資金互助社的績效水平,在總結(jié)績效水平的基礎(chǔ)上結(jié)合調(diào)研情況對影響績效的因素進行分析。最后根據(jù)制約因素分析結(jié)果有針對性提出提高黑龍江省農(nóng)村資金互助社績效的措施和政策建議。
[Abstract]:With the continuous development of the rural economy, the rural financial system is also constantly improving. In 2006, with the publication of the document "some opinions on the Adjustment and relaxation of the admission Policy of Banking Financial institutions in Rural areas to better support the Construction of a New Socialist Countryside", As a new type of rural cooperative economic organization, the rural fund cooperative society is gradually established in the countryside. In 2007, the interim regulations on the Management of Rural Fund Credit Cooperative, the guidelines for the examination and approval of the Establishment of Rural Fund Cooperative, and the demonstration of Rural Fund Cooperative The introduction of Fan's articles of Association, To make further policy guidance to rural fund mutual aid society. From the practical situation, under the guidance of these policies, Heilongjiang Rural Fund Credit Association has achieved certain results, alleviated the problem of difficult loans in rural areas, and the income of farmers has also been improved. At the same time, more and more farmers are involved in the development of the rural fund cooperative, which will benefit the further expansion and development of the rural fund cooperative. This paper focuses on the study of the performance level of the Rural Fund Mutual Cooperative Society, a new type of rural cooperative economic organization in Heilong province. This paper analyzes the present situation of rural fund cooperative development, carries on the performance evaluation, and makes a thorough analysis on the reasons that affect the performance of the rural fund credit union, which can point out the direction for the reform and development of the rural fund cooperative in Heilongjiang province. At the same time, for the rural development of Heilongjiang Province, to meet the needs of farmers loan funds to provide practical countermeasures. This paper summarizes the research trends of rural financial cooperative organizations at home and abroad, and focuses on the performance of Heilongjiang Province Rural Fund Mutual Credit Association on the basis of domestic and foreign research results. Firstly, the paper defines the rural fund cooperatives, introduces three types of rural fund cooperatives, and sets up seven rural fund cooperatives registered in the industry and commerce department by CBRC as the research object of this paper. Secondly, the paper analyzes the present situation of Heilongjiang Rural Fund Cooperative from the aspects of farmers' participation, capital scale and service project, and concludes that the fund management of Heilongjiang Rural Fund Mutual Cooperative is not perfect in the process of development. Lack of risk control, single financing channels and other issues. The paper mainly discusses the performance level of Heilongjiang Rural Fund Credit Association, investigates the seven farmers' fund mutual societies approved by Heilongjiang Banking Regulatory Commission, and understands the development model, management level and so on. According to the investigation data, the factors that affect the performance of farmers' mutual aid societies in Heilongjiang Province are screened and summarized, 14 variables are selected, and the performance evaluation system is established, and then the principal component analysis method is used to carry out empirical research. With the help of SPSS software, the performance ranking of 7 rural fund mutual aid societies is evaluated and the performance level of Heilongjiang farmers' mutual fund cooperative is summarized according to the performance score. On the basis of summing up the performance level, this paper analyzes the factors influencing the performance based on the investigation. Finally, according to the results of the analysis of constraints, the paper puts forward some measures and policy suggestions to improve the performance of rural mutual aid societies in Heilongjiang Province.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35
本文編號：2179110
[Abstract]:With the continuous development of the rural economy, the rural financial system is also constantly improving. In 2006, with the publication of the document "some opinions on the Adjustment and relaxation of the admission Policy of Banking Financial institutions in Rural areas to better support the Construction of a New Socialist Countryside", As a new type of rural cooperative economic organization, the rural fund cooperative society is gradually established in the countryside. In 2007, the interim regulations on the Management of Rural Fund Credit Cooperative, the guidelines for the examination and approval of the Establishment of Rural Fund Cooperative, and the demonstration of Rural Fund Cooperative The introduction of Fan's articles of Association, To make further policy guidance to rural fund mutual aid society. From the practical situation, under the guidance of these policies, Heilongjiang Rural Fund Credit Association has achieved certain results, alleviated the problem of difficult loans in rural areas, and the income of farmers has also been improved. At the same time, more and more farmers are involved in the development of the rural fund cooperative, which will benefit the further expansion and development of the rural fund cooperative. This paper focuses on the study of the performance level of the Rural Fund Mutual Cooperative Society, a new type of rural cooperative economic organization in Heilong province. This paper analyzes the present situation of rural fund cooperative development, carries on the performance evaluation, and makes a thorough analysis on the reasons that affect the performance of the rural fund credit union, which can point out the direction for the reform and development of the rural fund cooperative in Heilongjiang province. At the same time, for the rural development of Heilongjiang Province, to meet the needs of farmers loan funds to provide practical countermeasures. This paper summarizes the research trends of rural financial cooperative organizations at home and abroad, and focuses on the performance of Heilongjiang Province Rural Fund Mutual Credit Association on the basis of domestic and foreign research results. Firstly, the paper defines the rural fund cooperatives, introduces three types of rural fund cooperatives, and sets up seven rural fund cooperatives registered in the industry and commerce department by CBRC as the research object of this paper. Secondly, the paper analyzes the present situation of Heilongjiang Rural Fund Cooperative from the aspects of farmers' participation, capital scale and service project, and concludes that the fund management of Heilongjiang Rural Fund Mutual Cooperative is not perfect in the process of development. Lack of risk control, single financing channels and other issues. The paper mainly discusses the performance level of Heilongjiang Rural Fund Credit Association, investigates the seven farmers' fund mutual societies approved by Heilongjiang Banking Regulatory Commission, and understands the development model, management level and so on. According to the investigation data, the factors that affect the performance of farmers' mutual aid societies in Heilongjiang Province are screened and summarized, 14 variables are selected, and the performance evaluation system is established, and then the principal component analysis method is used to carry out empirical research. With the help of SPSS software, the performance ranking of 7 rural fund mutual aid societies is evaluated and the performance level of Heilongjiang farmers' mutual fund cooperative is summarized according to the performance score. On the basis of summing up the performance level, this paper analyzes the factors influencing the performance based on the investigation. Finally, according to the results of the analysis of constraints, the paper puts forward some measures and policy suggestions to improve the performance of rural mutual aid societies in Heilongjiang Province.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.35
【共引文獻】
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，本文編號：2179110
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