农村资金互助组织解决农村金融供需矛盾的可行性研究  

A Feasibility Study on Contradiction Between Supply and Demand of Rural Finance Can be Resolved by Financial Self-help Groups in the Rural Areas

作　　者：耿仁波[1] 

机构地区：[1]山东大学经济研究院,济南250100

出　　处：《哈尔滨商业大学学报（社会科学版）》2010年第5期57-62,共6页Journal of Harbin University of Commerce:Social Science Edition

摘　　要：当前农村金融的主要矛盾是农民信贷需求旺盛与金融的有效供给不足,而农村资金互助组织可以通过重构农村资金流转机制,使农村小额的闲散资金聚集然后流向农民中资金需求方,实现农村资金在农村内部安全高效运转,并提供城镇资金流入农村的渠道,从而扩大农村资金的有效供给。农村资金互助组织或许是未来农村金融发展的出路所在。The principal contradiction in the current rural finance is the lack of effective supply of farmers credit demand.however,The effective supply of rural capital can be extended by reconstruction of rural financial transfer mechanism,which gather the rural small amount of idle capital and flow to demand-side financing,in addition,The fianancial self-help groups can provide channels for the inflow of capital from Cities and towns to rural areas.Financial self-help groups in rural areas may be the future way out of rural financial development.

关 键 词：农村资金互助组织 复合合作 下行渠道 人格化交易 

分 类 号：F323.9[经济管理—产业经济]