不流于美好愿望:金融企业家与合作金融组织供给困境的破解

Beyond Good Wishes: Solutions to the Supply Dilemma of Financial Entrepreneurs and Cooperative Financial Organizations

本文从组织起源的角度出发,对国内外具有合作制属性或者被称作“合作金融”的金融组织的发展历程进行了案例研究,结果发现:支付组织成本和投入专有性资源的金融企业家对金融组织的产生至关重要,而金融企业家类型决定了早期金触组织的属性,具有逐利倾向的金触企业家会导致金触组织的商业性,而社会企业家和政府因素是金融组织合作制属性实现的关键。目前中国合作金触组织供给困境的核心在于忽视了合作金誠组织的特殊金触企业家要求。因此,未来发展合作金触必须在金触企业家的“道”即情怀、使命和价值观上下功夫,或者重视政府因素。

This article makes a case study of the emergence and development process of domestic and international cooperative financial organizations. The study finds that financial entrepreneurs who pay organizational costs and invest exclusive resources are very important to the emergence of financial oiganizations, while the types of financial entrepreneurs are significant in determining the attributes of financial organizations at an early stage. Financial entrepreneurs witti more profit-seeking tendency usually lead to the commerciality of cooperative financial organizations. Social entrepreneurs and government factors are the key elements to realize the cooperative attributes of financial organizations. At present, the core of the supply dilemma of China's cooperative financial organizations lies in the neglect of the special requirements of financial entrepreneurs of cooperative financial oiganizations. Therefore, the future development of cooperative finance must focus on the "Tao” of financial entrepreneurs, namely their missions and values, or attach importance to government factors.