安徽农民资金互助合作组织的发展模式及风险分析  

Development Mode and Risk Analysis of Farmers' Capital Mutual Cooperation Organizations in Anhui Province

作　　者：何频[1] 

机构地区：[1]安徽经济管理学院社会与公共管理系,安徽合肥230059

出　　处：《华东经济管理》2015年第6期22-26,共5页East China Economic Management

基　　金：安徽省哲学社会科学规划项目(AHSKY2014D49)

摘　　要：近年来,各地发展的各种类型的农民资金互助合作组织在一定程度上缓和了农村金融资源供需不平衡的状况,为农村的发展提供了支持。但是由于资金互助是个新的金融模式,在发展过程中,无章可循,缺乏监督管理,潜藏着诸多风险和社会不安定因素,包括信用风险、流动性风险、法律风险、运营风险、操作风险和异化风险等。必须规范互助金融行为,降低金融风险,保护农民资金互助合作组织及社员的合法权益。In recent years,the development of various types of farmers’capital mutual cooperation organizations,to a certain extent,has eased the imbalance between supply and demand of rural financial resources,and provided support to the agricultural development. But the capital mutual cooperation has many hidden risks and social unrests because it is a new financial mode and lacks of regulations and supervision in the process of development,including credit risk,liquidity risk,legal risk,operational risk,handling risk and alienation risk,etc. Therefore,it is necessary to standardize mutual financial cooperation behavior,reduce financial risk and protect the legitimate rights and interests of farmers’ capital mutual cooperation organizations and their members.

关 键 词：农民资金互助合作 发展模式 风险分析 

分 类 号：F306.4[经济管理—产业经济]