社会资本促进农民合作组织融资信任研究

A Study of Social Capital Promoting Farmers' Financing Trust in Their Cooperative Organizations

农民合作组织因难以提供有效担保而导致了银行等金融机构的贷款信任缺失,从而引发农民合作组织自身长期陷入融资困境。本项研究从社会资本视角出发,运用浙北地区湖州市芦溪村农民青鱼合作社为个案,以我国农民合作组织融资业务中的"联保贷款"为对象,系统分析了社会资本影响农民合作组织融资信任的机理与机制。

Farmers＇ cooperative organizations themselves can hardly give effective guarantee, which will result in the bank or other financial institution＇s loss of loan and which will trigger the farmers＇ organizations to be involved in the long - term difficulties in financing. From the aspect of social capital, this paper applies the case of farmers＇ Herring Cooperative Organization in Luxi Village, H uzhou, Zhe-jiang Province and analyzes the impact mechanism of social capital on financing trust in farmers＇ cooper- ative organizations based on ＂loan to groups＂.