组织化与规模化:农村金融纾困新解

Organization and Scale:A New Solution to Rural Financial Relief

基于小块土地之上的农户金融需求是小额和碎片化的,不具备规模开发的价值,因无法满足农村金融机构规模经济的要求而长期陷入融资难、融资贵的多重交易困境;实践中,农村社会组织对旗下农户金融需求做了组织化和规模化整合,较好对接和匹配农村金融机构的规模经济偏好,交易效率明显改进。未来农村金融纾困的重点,应着力帮扶那些能够带领农民组织化和规模化发展的各类农村社会组织的金融功能培育,为农村金融机构培育出更多、更合格的规模化交易对手和交易盟友,促进农村金融供求规模化对接。

The financial needs of peasant households based on small plots of land are small and fragmented, which do not have the value of large-scale development. They have long been trapped in the multiple transaction dilem- ma of financing difficulties and expensive financing because they can not meet the requirements of the scale economy of rural financial institutions. In practice, rural social organizations have organized and integrated the financial needs of their peasant households on a large scale to better dock and match the rural funds. Financial institutions’ preference for economies of scale and transaction efficiency have improved significantly. In the future, the focus of rural financial re- lief should be to help all kinds of rural social organizations that can lead farmers to organize and scale development to cultivate more and more qualified large-scale counterparts and trading allies for rural financial institutions, and to pro- mote the large-scale docking of rural financial supply and demand.