中国新型农村资金互助社发展成效与问题评析  

Achievements and problems of China's new rural mutual funds organizations

作　　者：李明贤[1] 刘娟[1] 

机构地区：[1]湖南农业大学经济学院,湖南长沙410128

出　　处：《湖南农业大学学报（社会科学版）》2011年第5期1-5,共5页Journal of Hunan Agricultural University(Social Sciences)

基　　金：国家社会科学基金项目(09BJY099);湖南省教育厅重点项目(09A045);湖南省科技厅软科学项目(2009ZK3131)

摘　　要：农村资金互助社是适应市场经济要求的内生性农村合作金融组织。2006年农村金融新政策实施以来,农村资金互助社从无到有,数量缓慢增多、规模不断扩大、发展模式多样化,互助社信息、效率、成本优势明显。但在发展过程中农村资金互助社也逐步暴露出诸多问题,包括:社会认同度不高,影响发展速度;缺乏专业人员,管理不健全;成员间沟通和协调难度大;资金缺乏,难以满足社员信贷需求等。为进一步加强农村金融"造血"机制,缓解农户及农村小企业融资难题,需要从加大宣传力度,明确法律地位,规范管理制度,提高管理人员素质,壮大资金实力等多方面来加快新型农村资金互助社的发展。The rural mutual fund organization is an endogenous mutual funds organization which adapt to market economy. Since the implementation of new rural financial policies in 2006, the rural mutual funds organizations have experienced a gradually expanding process of development. However, many problems are gradually revealed in the process of development of rural mutual funds, including： Low social identity affecting the pace of development, lack of professional personnel leading to imperfect management, difficulty in communication and coordination among members, funds shortage resulting difficulty in meeting the credit needs of other members. In order to strengthen the rural financial ＂blood＂ mechanism, ease the financing problems of farmers and rural small businesses, some measures must be taken： strengthen publicity work, clear the legal status of rural mutual funds organizations, standardize management system, improve the management quality, and expand financial strength.

关 键 词：农村资金互助社 合作金融组织 发展模式 中国 

分 类 号：F832.35[经济管理—金融学]