农村资金互助社可持续发展探究

Research on the Sustainable Development of Rural Mutual Cooperatives

农村资金互助社依托农村的熟人网络,由社员自主联合成立,填补了正规金融的空缺,满足了社员特别是弱势群体的金融服务需求,为农村经济的发展做出重大贡献。通过探究农村资金互助社的运行机制和制度优势,发现互助社可持续发展的必然性。但在现实中,农村资金互助社仍然存在着资金来源不足、资本积累规模、外部监管问题的限制。针对这些问题,提出进一步完善农村资金互助社资金管理与监控机制、加快农村资金互助社的立法进程、依法监管等建议,促进资金互助社的健康发展,优化农村金融市场。

Rural financial mutual aid cooperatives rely on the network of acquaintances in rural areas and are independently established bymembers. They filled the gaps in formal finance,meet the financial service needs of members,especiacant contributions to the development of rural economy. By exploring the operational mechanism and institutional advantages of rural mutualfunds,we found the inevitability of mutual development. However,in reality,rural mutual funds still have limitations on the sources of funds,the scale of capital accumulation,and external regulatory issues. In response to these problems, it was proposed to further i m p r o v e the f u n dmanagement and monitoring mechanism of rural mutual funds , accelerate the legislative process of rural mutualto law,promote the healthy development of mutual funds,and optimize the rural financial market.