农村资金互助社发展困境及路径选择--基于社会企业视角的研究  

Development Dilemma and Path Choice of Rural Mutual Fund Cooperatives--Research from the Perspective of Social Enterprises

作　　者：王波 段梦雅 WANG Bo;DUAN Meng-ya(School of Law,Xi'an University of Finance and Economics,Xi'an 710061,China)

机构地区：[1]西安财经大学法学院,陕西西安710061

出　　处：《长春金融高等专科学校学报》2021年第4期71-78,共8页Journal of Changchun Finance College

摘　　要：农村资金互助社是立足于农村的社会企业,其在农村金融供给严重不足的背景下产生,以服务社员、解决农民借贷难问题为宗旨。基于社会企业视角,农村资金互助社发展面临地位不明确、治理不规范、融资难度大及退出不完善等问题。为破解农村资金互助社所面临的困境,应借鉴社会企业理论与制度,明确游离于法律监管外的农村资金互助社的身份,内部治理和外部监管有效联动,多式并行拓宽融资渠道,完善农村资金互助社的退出机制。Rural mutual fund cooperative is a social enterprise based on rural areas.It came into being under the background of serious shortage of rural financial supply.Its purpose is to serve members and solve the problem of farmers'loan difficulty.Based on the perspective of social enterprises,the development of rural mutual fund cooperatives faces some problems,such as unclear status,non-standard governance,difficult financing and imperfect exit.In order to solve the difficulties faced by rural mutual fund cooperatives,we should learn from the theory and system of social enterprises,clarify the identity of rural mutual fund cooperatives separated from legal supervision,effectively link internal governance and external supervision,expand financing channels in parallel,and improve the exit mechanism of rural mutual fund cooperatives.

关 键 词：社会企业 农村资金互助社 农村金融 

分 类 号：F832.35[经济管理—金融学]