农合机构发行永续债补充资本可行性研究——基于定西市的调查

Feasibility Study on Issuing Perpetual Bonds in Order to Supplement Capital for Rural Cooperative Institutions--Based on the survey of Dingxi

现以定西市为例,基于农合机构盈利能力受经济下行影响的背景,探索其利用永续债补充资本的可行性,帮助其拓宽融资渠道,助推普惠金融。通过实地调研得出当前农合机构发行永续债面临流动性不足、费率厘定困难、投资主体匮乏、专业人员紧缺等难题。运用SWOT分析得出农信合虽具备发行永续债能力,但仍然面临巨大挑战,需通过自身努力和政府支持解决问题,并从监管与农合机构自身两方面提出相关建议,以推进永续债的发行。

This article takes Dingxi as an example to explore the feasibility of using perpetual bonds to supplement capital based on the background of the economic downturn of the rural cooperative medical institutions,helping them to expand financing channels and boosting inclusive finance.Through field research,it can be concluded that the current issue of perpetual bonds by the rural cooperative medical institutions is facing problems such as insufficient liquidity,difficulty in determining the rate,lack of investment subjects,and shortage of professionals.Still facing huge challenges,we need to solve the problem through our own efforts and government support to promote the issuance of perpetual bonds.