CAJ | 학술논문

本文从企业与农户合作的视角，讨论了正规金融机构筛选龙头企业作为金融联结中介的基本标准：确保农户获得利润的固定单次收益分配形式，承担专用性人力资本投资，采用合作程度激励和资金保证约束。同时提出金融监管部门应鼓励商业银行建立基于收益分配机制、专用性资产投入和激励约束机制为依据的企业筛选机制，引导龙头企业与农户关系的走向，为实现农村金融联结奠定微观组织基础。
본문종기업여농호합작적시각，토론료정규금융궤구사선룡두기업작위금융련결중개적기본표준：학보농호획득리윤적고정단차수익분배형식，승담전용성인력자본투자，채용합작정도격려화자금보증약속。동시제출금융감관부문응고려상업은행건립기우수익분배궤제、전용성자산투입화격려약속궤제위의거적기업사선궤제，인도룡두기업여농호관계적주향，위실현농촌금융련결전정미관조직기출。
From the perspective of cooperation between enterprises and farmers,using the case study,this paper discusses the basic standards that formal financial institutions use to screen the leading enterprises as the object of finan-cial linkage. The standard include the allocation of fixed income that ensure farmers to get profit, undertaking specific human capital investment,and the adoption of cooperation degree incentive and constraint of funds guarantee. So the fi-nancial regulatory departments should encourage commercial bank to establish the screening mechanism that is based on the income distribution mechanism, specific asset investment and incentive mechanism. Relevant departments should guide the relationship of leading enterprise and farmer households. This would lay the foundation for the micro-organization of rural financial linkage.