农村合作金融组织的形式选择与发展建议

Form selection and development suggestions for rural cooperative financial organizations

在对目前主要农村合作金融组织形式的发展瓶颈分析的基础上,结合农村经济和农村社会发展情况,论证中国农村合作金融发展的合理组织形式是依托于农民专业合作社,并结合农民专业合作社内部信用互助业务全国唯一试点省份——山东省的试点情况,从政府介入、法律身份、风险防范、金融监督、资金来源等方面对农村合作金融发展提出建议。

Based on the analysis of the development bottleneck of the current rural cooperative financial organization forms and combined with the development of rural economy and society,this paper demonstrates that the most reasonable form of organization for the development of China′s rural cooperative finance is to rely on farmers′professional cooperatives.Then,this paper takes Shandong Province,the only pilot province for the internal mutual credit assistance business of farmers’professional cooperatives,as an example,and puts forward suggestions for the development of rural cooperative finance in terms of government intervention,legal identity,risk prevention,financial supervision,and funding sources.