农村互助合作金融模式绩效分析

An Analysis on the Achievements of China's Rural Mutual Aiding and Cooperative Finance

互助合作金融是中国农村金融市场的一种创新融资模式,尽管其组织化、制度化经营时间短、经验少,融资能力还很微小,但已经表现出财务上可持续发展的能力,在满足农户小额贷款方面的补充作用十分显著。资金互助合作密切了社会成员的相互关系,改善着农村社会关系,社会整体信用水平将为之提高。论题分析了《农村资金互助社管理暂行规定》颁布前后农村互助合作金融模式的制度绩效、功能绩效和社会绩效。

Mutual aiding and cooperating finance is an innovative financing model in China＇ s rural money market. Although it has small financing capability, short period of being organizationalized and institutionalized, and also little experience in administration, it shows sustainability in financial affairs, and very obvious functions in providing micro-loans to farmers and rural micro-enterprises. Meanwhile, this financing mechanism has been enhancing the relations among rural inhabitants, and what＇ s more, it will improve the social relations in rural areas and raise the credit levels of the whole society. With this thesis, the writer is to conclude and mention the institutional, functional and social achievements brought by this mechanism.