摘要
具有合作性质的新型农村资金互助社的实践探索有其产生发展的社会经济基础和制度根源,新型农村资金互助社在四川试点开始后得到迅速发展,分为不以扶贫为目的社区互助性银行业金融机构、完全扶贫性质的互助社和具有扶贫性质同时可以开展经营活动的互助社三种。新型农村资金互助社使农户更易获得资金,满足农户资金需求更有效率,具有多重制度创新意义和社会功能。但新型农村资金互助社发展中还存在缺乏清晰的法律定位、可持续经营发展面临困难、经营管理水平较低,风险控制能力较弱等问题,需要从完善法律法规、加大政策支持力度、加强监管和引导等方面促进其健康发展。
New-style Rural Mutual Fund Cooperative developed rapidly in resent years in several China rural areas.In Sichuan Province＇s practical cases,these cooperatives can be divided into three categories.They provide easier funds to peasants;satisfy rural financial demand more efficiently.But they still face many problems,such as no definite law,hard to operate well continuously,level of management and internal control is weak.Those new-type cooperatives need more policy help and proper supervision to develop better.
出处
《上海经济研究》
CSSCI
北大核心
2010年第7期48-54,66,共8页
Shanghai Journal of Economics
基金
中国人民银行成都分行2009年度重点研究课题的中间成果
关键词
农村资金互助社
发展路径
绩效评估
风险防范
引导规范
New-style Rural Mutual Fund Cooperative
developing route
effect estimating
risk prevention
supervision
