京郊农村资金互助社的风险防范机制研究

Study on the Risk Prevention Mechanism of the Rural Mutual Cooperatives in the Suburb of Beijing

风险防范机制是农村资金互助社健康发展的关键。在对京郊农村资金互助社的性质和风险特点进行综合分析的基础上,结合国内外农村合作金融组织和小额信贷机构在风险防范机制建设方面的经验,提出了京郊农村资金互助社风险防范机制的构成和要素,并就如何进一步健全和完善京郊农村资金互助社的风险防范机制提出了明确农村资金互助社的定位;确保农民在资金互助社中的主体地位;内外结合有效规避运行中的资金可持续性风险等方面的建议。

Risk prevention mechanism is the key to the healthy development of rural mutual cooperatives. This article firstly analyzes the nature and risk characteristics of the rural mutual cooperatives in the suburb of Beijing. Then, based on the practice of the Rural cooperative financial organization and Small Loan Companies At home and abroad to establish risk prevention mechanism, this article expounds the composition and elements of the rural mutual cooperatives in the suburb of Beijing. At last, This article puts forword the advice to further improve and perfect the rural mutual cooperatives in the suburb of Beijing.