黑龙江省农民资金互助社风险分析  

Study on the Risk of Farmer Mutual Fund in Heilongjiang Province

作　　者：韩柠霜 吉洁[1] 

机构地区：[1]东北农业大学经济管理学院,黑龙江哈尔滨150030

出　　处：《对外经贸》2018年第4期39-40,共2页FOREIGN ECONOMIC RELATIONS & TRADE

基　　金：黑龙江省应用技术与研究与开发项目(项目编号:GC14D407);黑龙江省人文社会科学项目(项目编号:12542014)

摘　　要：农民资金互助社的健康发展对于解决我国"三农"问题具有重要的现实意义。在对黑龙江省9家农民资金互助社的调研基础上,总结现阶段黑龙江省农民资金互助社面临的主要风险:信用风险、资金来源枯竭风险、管理不规范带来的操作风险以及激烈竞争带来的市场风险。风险产生的原因主要是农业弱质性特征、法律地位不明、内部治理不完善、缺少优秀人才,并提出相应的对策建议:完善内部治理强化组织职能,增强信用观念,完善信用体系,利用新技术降低操作风险,加强人员培训,提升人员素质。Farmer mutual funds are playing more and more important roles in active rural finance and agricultural financing. Based on the analysis of the status of Heilongjiang farmers ＇cooperative funds,this article summarizes the risks faced by farmers＇ mutual funds in Heilongjiang Province at present. Summarizes the reason for takethe risk include weakness of agriculture characteristics,unclear legal status,imperfect internal governance,lack of talents,And put forward the corresponding countermeasures and suggestions.

关 键 词：农民资金互助社 风险管理 普惠金融 

分 类 号：F83[经济管理—金融学]