金融机构与农民间的信用载体构建分析——兼论农村资金互助社的发展

Analysis of Structuring Credit Carrier between Financial Institutions and Farmers-also Discussing the Development of Rural Funding Cooperatives

目前农村信贷资金供给不足,主要原因之一是农民与金融机构之间缺乏一个合适的信用载体,而农村资金互助社在满足农民信贷要求上具有与生俱来的优势,完全可以充当金融机构与农民间的信用载体。但当前我国农村资金互助社面临着资本金不足、从业人员素质低、内部管理不够规范等问题,应加强资金互助社内部管理,加大政策扶持力度,促进农村资金互助社的健康发展。

Currently, one of the main reasons for inadequate supply of rural credit is that there is no a proper credit carrier between farmers and financial institutions. Rural funding cooperatives, with innate advantage m satisfying farmers credit demands, can act as the credit carrier. However, rural funding cooperatives in China are faced with problems, such as capital insufficiency, practitioners＇ low quality, under-standard internal management, etc. So the rural funding cooperatives should strengthen internal management, and the government should greatly increase policy support, which in turn promotes the healthy development of rural funding cooperatives.