农村资金互助社的发展及风险问题探究

Research on the Development and Risk of Rural Mutual Cooperatives

农村资金互助组织作为农村金融创新的一种形式,凭借其自身信息、制度等方面的优势得以快速发展,为解决农民融资难的问题提供了行之有效的解决办法。但是,随着农村资金互助社的推广及其经营规模的扩大,农村资金互助组织的弊端也逐渐显现。因此,从宏观环境和微观机构运营两个层面探究农村资金互助社所面临的风险,并就政府和农村资金互助社两个方面提出防范和避免风险的建议,对促进农村资金互助社更好的发展,带动农村金融市场的良性发展具有现实意义。

As is a form of rural financial innovation,rural mutual fund organization has developed rapidly with its own advantages in information and systems, and has provided effective solutions to solve the problem of farmers＇ financing difficulties.However, with the promotion of rural mutual fund organization and the expansion of their business scale, the drawbacks of rural mutual fund organizations have gradually emerged.Therefore, it is of practical significance to explore the risks faced by rural mutual funds cooperatives from both macro-environment and micro-organization operation, and propose suggestions to prevent and avoid risks from the government and rural mutual funds cooperatives, so as to promote the better development of rural mutual funds cooperatives and promote the sound development of rural financial markets.