京郊农民资金互助合作组织现状和发展对策

The Status and Countermeasures of Peasant Financial Mutual Cooperation in the Suburb of Beijing

由于农业生产的特点,农民借贷多表现为周期短、额度小、借贷频率高的特征,这与农村正规金融的借贷规定是相矛盾的,同时农民的生活性借贷也无法从正规金融渠道获得满足。京郊各个村镇都有农业经济合作组织,在这个组织内部自发产生了农民资金互助的功能,有效地解决了分散农户贷款难的问题。京郊农民资金互助合作组织刚刚产生,日常经营管理尚处于摸索、尝试阶段,为了更好发挥其正规金融的补充作用,促其健康发展,必须建立起一系列的运行规范。

For the characters of agriculture production, the debit and credit on loan in country shows the phenomenon of short period, small amount and high frequency. Such phenomenon is conflict to the regulation of debit and credit on loan. At the same time, the demand of loan for usual life of peasant isn＇t needed from the official finance system. Peasant financial mutual cooperation arose from peasant economic cooperation of every village in Beijing suburb, which has solved the difficult problems of peasants＇loaning. To make the new financial mutual cooperation act effectively and successfully, a function criterion for it should be established.