专业合作社信用互助:山东试点研究  

Credit Cooperation of Specialized Farmers Cooperatives: Modes and Innovation

作　　者：聂左玲[1] 汪崇金 

机构地区：[1]山东大学经济学院,济南250002 [2]山东财经大学财政税务学院,济南250014

出　　处：《农业经济问题》2017年第11期23-30,共8页Issues in Agricultural Economy

基　　金：国家社会科学基金项目"地方政府社会治理创新对公共服务的影响研究"(编号:14BGL148)

摘　　要：本文总结了山东省农民专业合作信用互助试点(简称"山东试点")的运作模式、业务创新及其实践偏差,并通过典型案例分析发现,产业基础、供应链金融与高社会资本是信用互助的"标配"。本文判断,"山东试点"正处在由资金的"民间借贷"向信用的"内扶外助"转轨。从短期来看,监管部门应在着力引导合作社践行合作理念的同时,尊重参与各方的利益关切,特别是对领办主体实施审慎监管,发挥其在信用互助业务中的引领作用。建议强化信用的"内助外扶",着重发展外部融资,积极发挥"山东试点"制度优势。We summarize the operating modes,business innovation and practice bias of'Shandong Pilot'in this paper,and show industry foundation,supply chain finance and high social capital are the'standard configuration'for credit cooperation.This paper suggests'Shandong Pilot'is at the transition stage from'informal finance'to credit's'internal support and external help'.In the short run,regulators should respect all parties concern except for piloting,especially regulating the leading party.To exploit'Shandong Pilot'institution advantage,this paper proposes to strengthen credit'help outside help'and develop external financing.

关 键 词：农民专业合作社 信用互助 现场实验 内助外扶 外部融资 

分 类 号：F832.35[经济管理—金融学]