CAJ | 학술논문

我国农民专业合作社的资金需求日益增长，但自有资金严重不足。由于内部管理不完善、政府投入有限、金融机构风险管理模式脱离农村现状、农业担保公司服务缺失等原因，致使合作社外部融资难度较大。对此，笔者提出健全合作社内部财务管理制度，鼓励开展内部信用合作，探索新型信贷产品，加快培育农村资产交易平台，健全信贷担保体系等对策建议。
아국농민전업합작사적자금수구일익증장，단자유자금엄중불족。유우내부관리불완선、정부투입유한、금융궤구풍험관리모식탈리농촌현상、농업담보공사복무결실등원인，치사합작사외부융자난도교대。대차，필자제출건전합작사내부재무관리제도，고려개전내부신용합작，탐색신형신대산품，가쾌배육농촌자산교역평태，건전신대담보체계등대책건의。
Fund demands of farmer professional cooperatives gradually increase, but a serious shortage of own funds. On ac-count of reasons of incomplete internal management, limited government investment, risk management model of financing in-stitution separating rural current situation and deletion of agricultural guarantee companies’ service, external financing difficul-ty became bigger. So, the report improved countermeasures of perfecting cooperative inner financial management system, en-couraging developing inner cooperative credit, exploring new credit instrument, accelerating breeding trading platform for rural assets and perfecting credit guarantee system.