摘要
面对分散的小额贷款市场,农村资金互助社拥有内在的组织和制度上的优势。但在现实中,其生存发展尚面临资金来源缺乏、信贷风险转移机制缺失、外部政策环境待完善等因素制约。为增强农村资金互助社的持续发展能力,需要建立其与正规金融机构的资金联结机制,深化与农民专业合作社的合作,健全自身的管理,并优化政府的监管安排。
In decentralized micro-credit markets, rural fund-cooperation associations have inherent organizational and institutional advantages. But in reality, the development of this kind of financial institutions still faces some restrictions, such as lack of source of funds, the absence of credit-risk transfer mechanisms, and the imperfection of external policy environment. To enhance the sustainable development of rural fund-cooperation associations, it is necessary to establish fund linkage mechanisms between those associations and formal financial institutions, to deepen their cooperation with farmer cooperatives, to improve their own management, and to optimize the government＇s regulatory arrangements.
出处
《浙江金融》
北大核心
2011年第8期71-74,共4页
Zhejiang Finance
关键词
农村资金互助社
贷款需求
信贷风险
内部治理机制
Rural Fund-cooperation Associations
Credit Demand
Credit-risk
Internal Governance
