农民合作社:发展农村合作金融的有效平台——基于社会资本理论的解读

Peasants' Cooperative: Effective Platform of Developing Rural Cooperative Finance— Based on Social Capital Theory

许多研究认为,农村合作金融是金融抑制的结果。该研究用社会资本理论对农村合作金融的生存机理做了分析。结果表明:合作金融不是金融抑制下满足农户金融需求的过渡产物;合作金融蕴含的社会资本是它的制度优势,这也决定了农村合作金融不会因金融自由化而被商业金融取代;社会资本的作用机理决定了农村合作金融应以自发生成为主,不宜强制推广,更不宜官办;利用既有农民合作平台——农民合作社,可能是发展农村合作金融的有效途径。

Many researches showed that rural cooperative finance was the results of financial repression. In this research, social capital theory was used to analyze the existent mechanism of rural cooperative finance. Results showed that cooperative finance was not the transitional product of meeting farmers＇ financial demand under financial repression. Social capital contained in cooperative finance was the institutional advantage, which determined at rural cooperative finance could not be replaced by commercial finance due to financial liberalization. Action mechanism of social capital determined that rural cooperative finance should be mainly spontaneous generated. Neither mandatory promotion nor government run should be adopted. Farmer cooperative platform should used ; farmer cooperative might be an effective way to develop rural cooperative finance.