摘要
农民合作社开展信用合作是我国新型农村合作金融发展研究的重点。本文结合调研情况,对以赊销为特征的商业信用合作、以资金互助或担保互助为核心的货币信用合作、依托产业链或银政资金的混合式信用合作三种不同模式进行梳理分析,并从政策制度、现实操作、潜在风险点三个层面指出了当前中国农民合作社开展信用合作的主要问题。推动农民合作社信用合作持续健康发展,必须坚持服务“三农”的政策导向、强化对信用合作不同发展模式的分类指导、妥善处理风险防控和内在活力的关系、进一步规范信用合作管理、切实防控信用合作风险、充分发挥信用合作综合带动作用。
The cooperation of farmers'cooperatives in credit cooperation is the focus of research on the development of new rural cooperative finance in China.Combining with the research situation,the author analyzes the three types of different models:commercial credit cooperation characterized by credit sales,monetary credit cooperation with financial mutual assistance or guarantee mutual assistance,and mixed credit cooperation led by leading enterprises or large-scale households.The author also pointed out the main problems of current farmers'cooperatives in credit cooperation from the three aspects of policy system,actual operation and potential risk.To promote the sustainable and healthy development of farmers'cooperative credit cooperation,we must adhere to the policy orientation of serving the"three rural"(Agriculture,Countryside and Farmers),strengthen the classification and guidance of different development models of credit cooperation,properly handle the relationship between risk prevention and internal vitality,further standardize credit cooperation management,effectively prevent and control the risk of credit cooperation and give full play to the comprehensive role of credit cooperation.
作者
黄迈
谭智心
汪小亚
HUANG Mai;TAN Zhi-xin;WANG Xiao-ya(Postdoctoral Research Station of ABC,School of Agricultural Economics and Rural Development of Renmin Universityof China,Beijing 100005,China;Research Center for Rural Economy,Beijing 100810,China;China Institute for Rural Studies,Tsinghua University,Beijing 100084,China)
出处
《西部论坛》
CSSCI
北大核心
2019年第3期70-79,共10页
West Forum
基金
农业部办公厅2016—2017年课题“我国农民合作社开展信用合作研究”
国家社会科学基金资助项目(17XJY008)
中国博士后科学基金特别资助项目(2018T110170)
关键词
农民合作社
资金互助
担保互助
信用合作
farmer cooperative
mutual funds
mutual guarantee
credit cooperation
