CAJ | 학술논문

农村资金互助组织作为新型的农村“合作金融”组织,其内部治理机制已背离合作金融所倡导的“民主治理”模式,结合已有的农村金融改革经验不禁反思中国农村“合作金融”的“民主治理”模式为何屡屡难以实现.受相关理论和研究启发,本文首先从成员异质性视角对农村资金互助组织非“民主治理”的原因予以探讨,并以江苏省盐城市36家农村资金互助组织为例进行实证研究,实证结果表明：组织成员异质性增大导致农村资金互助组织的内部治理机制逐渐偏离“民主治理”模式.文章进一步讨论了组织异质性的成员结构可能来源于农村圈层结构改变的社会变迁过程,据此,相关农村金融政策应该明确方向,并辅以相应措施.
농촌자금호조조직작위신형적농촌“합작금융”조직,기내부치리궤제이배리합작금융소창도적“민주치리”모식,결합이유적농촌금융개혁경험불금반사중국농촌“합작금융”적“민주치리”모식위하루루난이실현.수상관이론화연구계발,본문수선종성원이질성시각대농촌자금호조조직비“민주치리”적원인여이탐토,병이강소성염성시36가농촌자금호조조직위례진행실증연구,실증결과표명：조직성원이질성증대도치농촌자금호조조직적내부치리궤제축점편리“민주치리”모식.문장진일보토론료조직이질성적성원결구가능래원우농촌권층결구개변적사회변천과정,거차,상관농촌금융정책응해명학방향,병보이상응조시.
The governance mechanism of rural mutual fund organization--a new type of rural cooperative finan-cial organization--has deviated from the democratic mode advocated by cooperative finance. The past experi-ence of rural financial reform provoked our medication over why the democratic governance mode of China＇s rural cooperative finance often failed. Supported by the relevant theories and researches,this paper,firstly,explored thereason of the governance mechanism alienation from the perspective of members＇heterogeneity and conducted anempirical study based on the 36 rural mutual fund organizations of Yancheng City,Jiangsu province. The empiri-cal results showed that：The increase of members＇heterogeneity causes the governance mechanism to deviate fromthe “democratic governance”mode. The article further discussed the members＇heterogeneity and the current ru-ral social change,revealing that the rural social change generating the members＇heterogeneity is the root of thedeviation of the rural mutual fund organization from the “democratic governance”mode. And the rural financialpolicy making should take the correct direction with corresponding measures taken.