本文選題：農(nóng)民合作社 + 內(nèi)部資金互助　； 參考：《東北農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：近年來農(nóng)民合作社內(nèi)部資金互助組織成為農(nóng)村金融發(fā)展的新亮點,在緩解農(nóng)戶融資難、豐富農(nóng)村金融體系以及推動農(nóng)村經(jīng)濟(jì)快速發(fā)展等方面發(fā)揮著重要作用。自2008年政府首次確定了農(nóng)民合作社內(nèi)部信用合作的合規(guī)性,2008-2017年中央一號文件逐步引導(dǎo)并規(guī)范農(nóng)民合作社內(nèi)部信用合作試點活動,農(nóng)民合作社內(nèi)部資金互助組織日益興起,且成效顯著。在此背景下,黑龍江省積極探索發(fā)展農(nóng)民合作社內(nèi)部資金互助組織,現(xiàn)正處于初期階段且發(fā)展速度較快,取得了一些成效,但總體來說,與國內(nèi)其他優(yōu)秀農(nóng)民合作社內(nèi)部資金互助組織還存在一定差距,其在發(fā)展中面臨的問題也日益凸顯�；诤邶埥∞r(nóng)民合作社內(nèi)部資金互助組織發(fā)展的重要性和緊迫性,本文針對農(nóng)民合作社內(nèi)部資金互助組織的發(fā)展對策展開研究,有利于促進(jìn)黑龍江省農(nóng)民合作社內(nèi)部資金互助組織實現(xiàn)健康、高效、可持續(xù)的發(fā)展,緩解農(nóng)戶信貸需求與農(nóng)村金融供給的矛盾,增強(qiáng)農(nóng)村金融服務(wù)能力,實現(xiàn)黑龍江省農(nóng)村經(jīng)濟(jì)的快速發(fā)展。本文以黑龍江省農(nóng)民合作社內(nèi)部資金互助組織為研究核心,通過規(guī)范界定農(nóng)民合作社內(nèi)部資金互助組織的涵義和特征,在普惠金融理論、農(nóng)村合作金融理論、耗散結(jié)構(gòu)理論和產(chǎn)權(quán)理論的基礎(chǔ)上,運(yùn)用文獻(xiàn)研究法、調(diào)查研究法、規(guī)范分析與實證分析相結(jié)合、歸納法與演繹法相結(jié)合的方法對黑龍江省農(nóng)民合作社內(nèi)部資金互助組織發(fā)展對策展開研究。首先,基于資料收集和實地調(diào)研結(jié)果,規(guī)范分析了黑龍江省農(nóng)民合作社內(nèi)部資金互助組織的發(fā)展現(xiàn)狀、問題及成因,總結(jié)出立法滯后、政策的可操作性不強(qiáng)、金融機(jī)構(gòu)“惜貸”、組織內(nèi)部建設(shè)不規(guī)范以及農(nóng)村互助合作文明發(fā)展滯后是導(dǎo)致問題產(chǎn)生的主要原因;其次,創(chuàng)新性地運(yùn)用AHP-DEMATEL模型對黑龍江省農(nóng)民合作社內(nèi)部資金互助組織發(fā)展的影響因素做出綜合分析,確定了資本總額、內(nèi)部治理、社員心理認(rèn)知度、政策扶持力度及社長能力等因素的影響程度;再次,結(jié)合國內(nèi)典型農(nóng)民合作社內(nèi)部資金互助組織發(fā)展的成功經(jīng)驗,得出了黑龍江省農(nóng)民合作社內(nèi)部資金互助組織應(yīng)注重優(yōu)化股金設(shè)置機(jī)制、完善資金借貸體系、加強(qiáng)風(fēng)險防范建設(shè)三方面啟示;最后,通過以上規(guī)范分析與實證分析,從健全組織體系與優(yōu)化外部環(huán)境層面,提出黑龍江省農(nóng)民合作社內(nèi)部資金互助組織發(fā)展的對策與建議。囿于能力及論文篇幅所限,本文對諸如股金設(shè)置機(jī)制等問題未作更為細(xì)致的剖析,以期在后續(xù)深入研究中完善相關(guān)問題的論述。
[Abstract]:In recent years, mutual fund organizations in farmers' cooperatives have become a new bright spot in the development of rural finance, which plays an important role in alleviating the difficulties of farmers' financing, enriching the rural financial system and promoting the rapid development of rural economy. Since 2008, when the government first determined the compliance of credit cooperation within farmers' cooperatives (2008-2017), the first document of the Central Committee gradually guided and standardized the pilot activities of credit cooperation within farmers' cooperatives, and mutual fund organizations within farmers' cooperatives have been rising day by day. And the effect is remarkable. In this context, Heilongjiang Province is actively exploring the development of mutual fund organizations within farmers' cooperatives, which is in its initial stage and has achieved some results, but generally speaking, There is still a certain gap between the internal mutual fund organizations of other excellent farmers' cooperatives in China and the problems they face in the development. Based on the importance and urgency of the development of mutual fund organizations within farmers' cooperatives in Heilongjiang Province, this paper studies the development countermeasures of mutual funds organizations within farmers' cooperatives. It will help to promote the healthy, efficient and sustainable development of mutual fund organizations within farmers' cooperatives in Heilongjiang Province, alleviate the contradiction between farmers' credit demand and rural financial supply, and strengthen the ability of rural financial services. To realize the rapid development of rural economy in Heilongjiang Province. This paper focuses on the mutual fund organizations of farmers' cooperatives in Heilongjiang Province, defines the meaning and characteristics of mutual funds organizations in farmers' cooperatives by standardizing, in the theory of inclusive finance, the theory of rural cooperative finance, and the theory of rural cooperative finance. On the basis of dissipative structure theory and property right theory, using literature research method, investigation research method, normative analysis and empirical analysis, The method of inductive method and deductive method is used to study the development countermeasures of mutual fund organizations in farmers' cooperatives in Heilongjiang province. First of all, based on the results of data collection and field investigation, this paper normatively analyzes the current situation, problems and causes of the development of mutual fund organizations in the farmers' cooperatives in Heilongjiang Province, and concludes that legislation lags behind, and the policy is not operable. Financial institutions' reluctance to lend, the non-standard internal construction of the organization and the lag in the development of mutual aid and cooperation civilization in rural areas are the main causes of the problem; secondly, This paper makes a comprehensive analysis of the factors influencing the development of mutual fund organizations in farmers' cooperatives in Heilongjiang Province by using the AHP-DEMATEL model innovatively, and determines the total capital amount, internal governance, and the psychological cognition of members. The degree of influence of policy support and the ability of president. Thirdly, combining with the successful experience of the development of mutual fund organizations in typical farmers' cooperatives in China, Finally, through the above normative analysis and empirical analysis, the author draws the conclusion that the mutual fund organizations of farmers' cooperatives in Heilongjiang Province should pay attention to optimizing the mechanism of setting up stock funds, perfecting the system of capital lending and strengthening the construction of risk prevention; finally, through the above normative analysis and empirical analysis, From the aspect of perfecting the organization system and optimizing the external environment, this paper puts forward the countermeasures and suggestions for the development of mutual fund organizations in the farmers' cooperatives in Heilongjiang province. Due to the limitation of the ability and the length of the paper, this paper has not made a more detailed analysis of the problems such as the mechanism of setting up the stock fund, in order to improve the discussion of the related problems in the further study.
【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】：2017
【分類號】：F321.42;F302.6

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