【摘要】：2004年“中央一號(hào)文件”鼓勵(lì)興辦直接為“三農(nóng)”服務(wù)的新型農(nóng)村金融組織。新型農(nóng)村金融組織的出現(xiàn)對(duì)我國農(nóng)村經(jīng)濟(jì)的發(fā)展起著至關(guān)重要的作用,在政策的支持下,2004年7月10日吉林百信資金互助社成立,標(biāo)志著新型農(nóng)民信用合作組織重建的開始。2008年農(nóng)民資金互助制度在河北得到復(fù)制和推廣,農(nóng)民資金互助組織的出現(xiàn)減輕了農(nóng)民資金需求不足的壓力,積極地促進(jìn)縣域經(jīng)濟(jì)發(fā)展。此時(shí)各項(xiàng)政策也都在積極地引導(dǎo)各地的合作社培育發(fā)展資金互助。在此基礎(chǔ)上,河北省合作社資金互助的發(fā)展也初具規(guī)模,然而,從近幾年的運(yùn)行情況來看,河北省各地合作社資金互助的數(shù)量在增加,質(zhì)量卻沒有得到提高,由于內(nèi)部管理不善,外部監(jiān)管不到位等各種原因,使得合作社資金互助的運(yùn)行和持續(xù)發(fā)展?jié)摲欢ǖ娘L(fēng)險(xiǎn)。因此,防范合作社資金互助風(fēng)險(xiǎn)成為當(dāng)前迫切需要解決的難題。本文探討河北省合作社資金互助的風(fēng)險(xiǎn)管理問題,構(gòu)建合作社資金互助風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系,旨在為合作社資金互助的健康開展和運(yùn)行提供有效的對(duì)策建議,具有一定的現(xiàn)實(shí)意義。本文中的數(shù)據(jù)來源于實(shí)地調(diào)研和問卷調(diào)查,實(shí)地調(diào)研主要是以河北省37家合作社及其中開展資金互助的合作社為樣本,分布在保定、邯鄲、唐山等地區(qū)。在層次分析法應(yīng)用中,采用的問卷調(diào)查方式獲得數(shù)據(jù)。以農(nóng)村金融理論、風(fēng)險(xiǎn)管理理論等理論為指導(dǎo),采用問卷調(diào)查,層次分析方法,本文主要研究了三個(gè)問題,并得出相應(yīng)結(jié)論:(1)根據(jù)實(shí)地調(diào)研的數(shù)據(jù),從發(fā)展規(guī)模、社員學(xué)歷、借款額度、風(fēng)險(xiǎn)管理辦法、監(jiān)管方式等六個(gè)方面分析目前河北省合作社資金互助的大體運(yùn)行情況,得出的結(jié)論主要有:現(xiàn)階段河北省合作社資金互助現(xiàn)有的風(fēng)險(xiǎn)管理辦法包括:防范貸款風(fēng)險(xiǎn)的辦法,規(guī)避信用風(fēng)險(xiǎn)的辦法等。目前合作社資金互助的風(fēng)險(xiǎn)管理存在的問題:內(nèi)部組織結(jié)構(gòu)不完善、缺少有效的外部監(jiān)管。在此基礎(chǔ)上并借鑒前人的研究結(jié)論,總結(jié)了合作社資金互助的風(fēng)險(xiǎn)因素:人力資源風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、市場環(huán)境風(fēng)險(xiǎn)、自然風(fēng)險(xiǎn)等。(2)構(gòu)建了合作社資金互助風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系。在前文總結(jié)合作社資金互助面臨的風(fēng)險(xiǎn),并查閱大量資料的基礎(chǔ)之上,運(yùn)用層次分析法并結(jié)合專家意見,將合作社資金互助面臨的風(fēng)險(xiǎn)及影響因素進(jìn)行重要性排序,得出對(duì)合作社資金互助風(fēng)險(xiǎn)影響較重要的幾種因素:內(nèi)部監(jiān)管力度、人才數(shù)量規(guī)模、自然災(zāi)害沖擊力、政府政策支持等。(3)根據(jù)層次分析法的研究結(jié)論,有針對(duì)性的提出風(fēng)險(xiǎn)防范建議:加強(qiáng)內(nèi)部治理及制度優(yōu)化,降低操作風(fēng)險(xiǎn);堅(jiān)持“走出去”與“引進(jìn)來”相結(jié)合的人才戰(zhàn)略;引進(jìn)農(nóng)業(yè)保險(xiǎn),提高農(nóng)業(yè)生產(chǎn)對(duì)風(fēng)險(xiǎn)的抵抗能力;銀監(jiān)會(huì)把合作社資金互助納入其監(jiān)管范圍,并加強(qiáng)網(wǎng)絡(luò)監(jiān)管;政府充分發(fā)揮職能,提供政策優(yōu)惠與支持。創(chuàng)新點(diǎn):本文創(chuàng)新點(diǎn)主要體現(xiàn)在研究方法上,本文將層次分析法應(yīng)用到對(duì)河北省合作社資金互助風(fēng)險(xiǎn)的評(píng)價(jià)上,構(gòu)建出合作社資金互助風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系,對(duì)風(fēng)險(xiǎn)的影響因素進(jìn)行重要性排序,把系統(tǒng)的復(fù)雜的風(fēng)險(xiǎn)更加簡單直觀的描述出來,從而為合作社資金互助的經(jīng)營者及管理者防范風(fēng)險(xiǎn)的決策提供科學(xué)依據(jù)。
[Abstract]:In 2004, the "No.1 Document of the Central Committee" encouraged the establishment of new rural financial organizations directly serving agriculture, countryside and farmers. The emergence of new rural financial organizations plays a vital role in the development of China's rural economy. With the support of the policy, the establishment of Jilin Baixin mutual fund cooperative on July 10, 2004 marked the establishment of a new type of farmers'credit cooperative group. In 2008, the peasant mutual aid system was replicated and popularized in Hebei Province. The emergence of peasant mutual aid organizations alleviated the pressure of insufficient fund demand of peasants and actively promoted the development of county economy. At this time, various policies are actively guiding cooperatives around the region to cultivate and develop mutual aid funds. However, in recent years, the number and quality of mutual fund assistance among cooperatives in Hebei Province have been increasing, but the quality has not been improved. Due to various reasons, such as poor internal management and inadequate external supervision, the operation and sustainable development of mutual fund assistance among cooperatives lurk. Therefore, it is an urgent problem to guard against the risk of mutual fund assistance of cooperatives. This paper discusses the risk management of mutual fund assistance of cooperatives in Hebei Province, and constructs the risk evaluation index system of mutual fund assistance of cooperatives, aiming at providing effective countermeasures and suggestions for the healthy development and operation of mutual fund assistance of cooperatives. The data in this paper come from the field survey and questionnaire survey. The field survey is mainly based on 37 cooperatives in Hebei Province and the cooperatives in which mutual funds are carried out. The data are distributed in Baoding, Handan, Tangshan and other areas. In the application of AHP, the questionnaire survey method is used to obtain data. Guided by the theory of risk management, this paper mainly studies three problems by questionnaire survey and analytic hierarchy process, and draws corresponding conclusions: (1) According to the data of field investigation, it analyzes the mutual fund assistance of cooperatives in Hebei Province from six aspects: development scale, members'educational background, loan quota, risk management methods, supervision methods, etc. The main conclusions are as follows: At present, the existing risk management methods of mutual fund assistance in Hebei cooperatives include: methods to prevent loan risks, methods to avoid credit risks and so on. On the basis of previous research conclusions, this paper summarizes the risk factors of cooperative mutual funds, such as human resources risk, operational risk, market environment risk, natural risk, etc. (2) It constructs the risk evaluation index system of cooperative mutual funds. By using the analytic hierarchy process and combining with the expert's opinions, this paper ranks the risks and influencing factors faced by cooperatives'mutual funds, and concludes several important factors influencing cooperatives' mutual funds risks: internal supervision, the quantity and scale of talents, the impact of natural disasters, government policy support, etc. (3) According to the research of the analytic hierarchy process. In conclusion, the paper puts forward some suggestions on risk prevention: strengthening internal governance and system optimization to reduce operational risks; adhering to the talent strategy of "going out" and "introducing in"; introducing agricultural insurance to improve the resistance of agricultural production to risks; the CBRC will bring mutual financial assistance of cooperatives into its supervision scope and strengthen the network Innovation: The innovation of this paper is mainly embodied in the research methods. This paper applies the analytic hierarchy process to the evaluation of the mutual fund risk of cooperatives in Hebei Province, and constructs the evaluation index system of mutual fund risk of cooperatives, and ranks the influencing factors of the risk. In order to provide a scientific basis for the managers and managers of cooperatives to prevent the risks, the complicated risks of the system are described more simply and intuitively.
【學(xué)位授予單位】：河北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F321.42

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