社区规范与农村资金互助社运行机制研究

Research on the Community Criterion and the Operational Mechanism of Rural Saving and Credit Cooperatives

正规金融农村信贷供给不足导致自发金融创新的产生,农村资金互助社是一种基于社区的农户金融创新形式,由于社区规范的存在使其相对于正规金融机构具有信息优势和成本优势。本文通过分析社区博弈对资金互助博弈的影响和制约,揭示资金互助社运作的内在机制,在合作社调研资料的基础上进行效率分析,并提出了相应的建议。

The insufficient supply of formal financial credit in rural areas leads to the innovation of financial institutions. Among them are the rural saving and credit cooperatives. Operating on the base of Community Criterion, they have relative advantages for information and cost comparing with the formal financial institutions. This paper presents a method that the community game do have impact on the cooperation game and the community criterion stemmed out of it is the inner mechanism of the financial cooperatives. Some advice was given based on the field investigation of cooperatives.