农村资金互助组织模式的认知及发展路径探讨——基于对吉林省梨树县的考察

The Cognition and Development Path of Rural Mutual Fund Organization Mode ——Based on the Investigation of Lishu County in Jilin Province

在2006年我国农村金融市场准入政策放宽后,农村资金互助组织作为新型的合作金融组织得以快速发展。但经过十几年的实践探索,这类组织的发展出现了分化,出现了社区型和联合型两种不同模式。这两类模式在生成机制、运行模式、风险控制等方面存在着比较明显差异,面临正式与非正式制度约束,所需政府支持及未来出路也不尽相同。对此,应尽快明确农村资金互助组织的法律地位,确立适当的监管模式,建立有效的风险分担机制,采取复合型发展模式,健全我国农村合作金融体系,为破解我国农村金融改革难题提供一种可行的路径。

After the relaxation of China＇s rural financial market access policy in 2006, the rural mutual fund organizations have developed rapidly as a new type of cooperative financial organizations. But after more than ten years of practice and exploration, the development of such organizations has appeared differentiation, and there are two different patterns of community and joint. There are obvious differences between the two models in the generation mechanism, operation mode and risk control, facing the formal and informal institutional constraints, and the government support and future solutions are not the same. In this regard, the legal status should be clear as soon as the rural mutual fund organization, establish proper supervision mode, the establishment of an effective risk sharing mechanism, adopt the composite mode of development, improve China＇s rural cooperative financial system, provides a feasible path for the problem of China＇s rural financial reform break.