华东经济管理
華東經濟管理
화동경제관리
East China Economic Management
2015年
6期
22~26
,共null页
农民资金互助合作 发展模式 风险分析
農民資金互助閤作 髮展模式 風險分析
농민자금호조합작 발전모식 풍험분석
farmers’capital mutual cooperation;development mode;risk analysis
近年来，各地发展的各种类型的农民资金互助合作组织在一定程度上缓和了农村金融资源供需不平衡的状况，为农村的发展提供了支持。但是由于资金互助是个新的金融模式，在发展过程中，无章可循，缺乏监督管理，潜藏着诸多风险和社会不安定因素，包括信用风险、流动性风险、法律风险、运营风险、操作风险和异化风险等。必须规范互助金融行为，降低金融风险，保护农民资金互助合作组织及社员的合法权益。
近年來，各地髮展的各種類型的農民資金互助閤作組織在一定程度上緩和瞭農村金融資源供需不平衡的狀況，為農村的髮展提供瞭支持。但是由于資金互助是箇新的金融模式，在髮展過程中，無章可循，缺乏鑑督管理，潛藏著諸多風險和社會不安定因素，包括信用風險、流動性風險、法律風險、運營風險、操作風險和異化風險等。必鬚規範互助金融行為，降低金融風險，保護農民資金互助閤作組織及社員的閤法權益。
근년래，각지발전적각충류형적농민자금호조합작조직재일정정도상완화료농촌금융자원공수불평형적상황，위농촌적발전제공료지지。단시유우자금호조시개신적금융모식，재발전과정중，무장가순，결핍감독관리，잠장착제다풍험화사회불안정인소，포괄신용풍험、류동성풍험、법률풍험、운영풍험、조작풍험화이화풍험등。필수규범호조금융행위，강저금융풍험，보호농민자금호조합작조직급사원적합법권익。
In recent years,the development of various types of farmers’capital mutual cooperation organizations,to a certain extent,has eased the imbalance between supply and demand of rural financial resources,and provided support to the agricultural development. But the capital mutual cooperation has many hidden risks and social unrests because it is a new financial mode and lacks of regulations and supervision in the process of development,including credit risk,liquidity risk,legal risk,operational risk,handling risk and alienation risk,etc. Therefore,it is necessary to standardize mutual financial cooperation behavior,reduce financial risk and protect the legitimate rights and interests of farmers’ capital mutual cooperation organizations and their members.
