“三位一体”合作经济的金融构造:商业银行嫁接信用合作机制

The Financial Structure of the"Trinity"Cooperative Economy:Commercial Banks Transplanting Credit Cooperative Mechanism

“三位一体”合作经济实践中的最大短板在于信用合作。为了完成“三位一体”的金融构造,论文提出了信用合作的若干创新方向:嫁接社区合作、综合合作;体系支持、行业管理和政府引导;作为一种机制而非机构,可以不设“资金池”;金融科技赋能信用合作,有望实现“弯道超车”。超越商业银行的惯性思维定势与合作金融的传统组织形式,使之相互配套。综合各地试点经验,论文提出了商业银行嫁接信用合作机制的若干信贷业务创新模式,包括依托合作经济组织的助贷、委贷以及转贷或配贷。还可以创新支付结算业务,实现合作经济的“公共簿记”功能,推动支付便利化、交易结算与分账返利一体化。进一步推动“三位一体”合作经济的系统集成,发展基于互助合作的新型平台经济,可以实现数字化与合作化的相得益彰,促进共同富裕。

The biggest shortcoming in the practice of"trinity"cooperative economy is credit cooperation.In order to fulfill the financial structure of"trinity",this paper proposes several innovative directions for credit cooperation:transplanting community cooperation and comprehensive cooperation;system support,industry management and government guidance;the dispensability of"capital pool"as a mechanism rather than an institution;and credit cooperation empowered by financial technology expected to achieve"corner overtaking".Beyond the thinking stereotype inertia of commercial banks and the traditional structure of cooperative finance,these directions aim at making them complementary to each other.Based on the pilot experiences in various regions,this paper proposes several innovative credit business models for commercial banks to transplant the credit cooperation mechanism,including loans assistance,delegated loans,sub-lending and matching loans sustained by cooperative economic platforms.Innovative payment and settlement businesses can also be implemented to deliver the"public bookkeeping"function of the cooperative economy,and to promote the integration of payment facilitation,transaction settlement and profit sharing.Further promoting the system integration of the"trinity"cooperative economy and developing a new type of reciprocal platform economy can realize the complementarity of digitalization and cooperation,and promote common prosperity.