合作金融制度在我国农村的适应性分析

The Adaptability of The Cooperative Financial System in China's Rural Areas

首先指出信用社作为一种有效的制度安排体现在提供相对低风险的个人贷款方面,进而对我国农户的类型进行分析,得出我国农户的主体是“道义小农”的结论。其尽管贷款风险较高,但额度小,需求旺盛,加之以合作制为基础的信用社以其独特的先天效率恰可以有效地控制农户贷款的风险。因此在为我国大多数农户提供信贷服务方面,合作制的信用社比其它金融机构更具优势,合作金融制度在我国农村具有广泛的适应性。

The credit cooperative is an effective system as it just offers low -risk individual loans as the “ moral farmers” constitute the major body of rural population in our country and their demand for loan is of high - frequency and high - risk. Since the credit cooperative based on the cooperative system can effectively control the risk of farmers＇loans, it boasts more advantages than other financial institutions in offering credit service to farming households. Therefore, the cooperative system is widely adaptable in China＇s rural areas.