农民专业合作社发展对农村金融信用机制创新的影响分析——贵州个案

The Impact Analysis of the Farmer Cooperatives Development to the Innovation of Rural Financial Credit Mechanism

近年来,贵州农民专业合作社发展迅速,不仅带动了农业产业化发展和农村要素资源的重新整合,而且为农村金融发展注入了新的活力。部分地区通过土地经营权流转为基础建立土地专业合作组织,和以自愿入股形式建立农民专业担保合作社,正推动着农村金融需求结构和信用担保机制的变革,为农村金融新发展带来了新的契机。本文深入分析了农村金融需求和信用机制变化的背景,总结了贵州地区农民专业合作社发展推动农村金融机制创新的主要模式,针对性地提出了推进农村合作金融机制发展的政策思路。

In recent years,the rapid development of farmer cooperatives in Guizhou not only has promoted the agricultural industrialization and re-integration of agricultural elemental resources,but also has injected new vitality to rural financial development.Some areas hare established land-based specialized cooperatives basing on land circulation and farmer＇ s shares.These are changing the structure of rural financial demand and affecting the reform of the mechanism of credit union,giving new opportunity to development of the rural cooperative finance.This research analyzes the backgrounds of rural financial needs and credit mechanism,summarizes the main modes how the development of farmer cooperatives in Guizhou promoted innovation of rural financial mechanism,presents some policies for the development of mechanism of rural cooperatives in future.