贫困村村级发展互助资金的可持续性——基于西北某贫困县66个村级资金互助社的分析  

Sustainability of Poverty-Stricken Villages' Developing Village-based Mutual Funds——An Analysis Based on 66 Village-based Mutual Funds Cooperatives in One Poverty-stricken County in Northwestern China

作　　者：张颖慧[1,2] 聂强[3] 

机构地区：[1]西安石油大学经济管理学院,陕西西安710065 [2]陕西师范大学国际商学院,陕西西安710062 [3]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《西部金融》2016年第8期10-16,共7页West China Finance

基　　金：国家社会科学基金项目"贫困村资金互助社运行绩效评价与政策优化研究"(项目编号:14BJY217);国家社会科学基金"贫困地区小额信贷的目标偏移问题研究"(项目编号:11XJY029)

摘　　要：本文通过对国家级贫困县A县66家贫困村村级资金互助社2011-2012年数据进行计量分析,发现政府股金占比、互助资金总额、试点村贫困户占比与村级资金互助社的财务可持续率之间存在负相关关系,单笔贷款额度与村级资金互助社的财务可持续率之间存在正相关关系,并且在统计上均显著。本文提出加强对村级资金互助社的财务可持续率监督、防止目标偏移、重视扶贫配套措施、引入外部机构业务扶持等措施,以期促进贫困村村级发展互助资金的可持续运作。An empirical analysis is carried out based on 2011-2012 data of village-based mutual cooperatives of 66poverty-stricken villages in A county, and it is found that there exists a negative relationship among ratio of governmental funds,mutual funds amount, ratio of poor households in plot villages and the financial sustainability ratio of village-based mutual cooperatives, while there exists a positive relationship between one loan amount and the financial sustainability ratio of village-based mutual cooperatives, which is significant in statistics. The paper puts forward measures such as enhancing the supervision of financial sustainability ratio of village-based mutual cooperatives, preventing the mission drift attaching great importance to related coordination measures of poverty alleviation and introducing business support from external organizations et al. in the hope of promoting the sustainable operation of village-based mutual funds of poverty-stricken villages.

关 键 词：农村金融 资金互助社 

分 类 号：F830.31[经济管理—金融学]