基础信用和俱乐部机制:农民专业合作社金融功能拓展案例研究

Foundation Credit and Club Mechanism: Case of Financial Function of Peasants Specialized Cooperatives

当前在农民专业合作社基础上拓展出以互助联保为主要金融功能的模式得到快速发展,有效解决了农户的融资难问题。这实质上就是合作社利用俱乐部机制,供给了标准化的"基础信用"这一准公共产品,解决了信息不对称问题。因此,在当前农民专业合作社迅速规模发展的基础上,在政策环境的推动下,理应发挥合作社金融功能的比较优势,解决农村金融困境,并且选择合作社基础上的互助联保型的金融功能拓展模式,更适合当前合作社的发展阶段。

Currently the financial function expansion based on farmer specialized cooperatives have developed rapidly, have addressed peasant household’s financing problem effectively, materially the cooperatives have displayed the club mechanism, supplied the public product standardization ＂the foundation credit＂, has solved the information asymmetrical problem. Therefore in the current farmer specialized cooperatives rapid scale development＇s foundation, under the policy impetus, should display the comparison superiority, solve the rural financing problem, and choose the cooperation joint guarantee financial function pattern, more suitable current cooperatives development phase.