中外农村合作金融组织比较研究  

A Comparison Between Rural Cooperative Finance Organizations in China and Abroad

作　　者：刘雪莲[1] 吴蕴韬[2] 窦晓飞[1] 任嘉嵩[1] 李晶莹[1] 

机构地区：[1]黑龙江大学经济与工商管理学院,黑龙江哈尔滨150080 [2]东北农业大学,黑龙江哈尔滨150030

出　　处：《商业经济》2013年第8期18-20,36,共4页Business & Economy

基　　金：黑龙江省哲学社会科学基金项目(10C031);2011年省教育厅新农村软科学项目(1155XNC209)

摘　　要：建国以来,我国农村金融组织经历了曲折复杂的发展过程,目前仍在深化改革之中。与发达国家、特别是与德国相比,我国农村金融组织无论是在发展模式、组织体系、监管框架、兼业状况、制度建设以及政府扶持政策等方面,都应该全面加以调整。尤其要强化合作金融的法制化和规范化建设;要通过强化制度建设保证对农村金融组织的政策扶持;金融组织自身要立足三农、明晰产权关系、完善治理结构,因地制宜、发展多样性的合作金融模式,构建自下而上、自成体系的合作金融组织体系;要完善监管体系和建立行业自律协会组织,从而促进农村经济的发展。Since the founding of the state, China＇s rural finance organizations have experienced an intricate and complex developing process and are still in profound reform now. Compared with developed countries, especially German, Chinese rural finance organiza- tions need a regulation in terms of developing pattern, organizational system, supervision structure, by-business condition, system construction and governmental support. In particular, the legalization and standardization of cooperative finance should be strength- ened. System construction should be enhanced to ensure the policy support to rural financial organizations. The financial organiza- tions should focus on issues of agriculture, farmer and rural areas; clarify property right relations; improve the governance structure; adjust measures to local conditions to develop diversified financial cooperation patterns; establish the organizations＇ own system from bottom to top; complete a supervision system and a self-disciplined industrial association in an effort to boost the development of ru- ral economy.

关 键 词：农村合作金融组织 中外比较 启示 

分 类 号：F640[经济管理—产业经济]