农户信用合作融资实现形式优化研究

Research on the Optimization of Realization Forms of Farmers’ Credit Cooperation Financing

作为一种内生性融资方式创新,农户信用合作融资在具体实践中,农户信用合作融资实现形式由简单到复杂、由低级到高级的变迁呈现出一个动态的优化过程,其变迁路径顺次为:实现形式的初期实践、自下而上的内生发展、自上而下的政策引导和由内而外的融资创新。“三位一体”综合合作是农户信用合作融资的基本载体,在“自下而上”式信用合作与“自上而下”式信用合作的有机融合中不断创新,展现出与新型农业经营主体发展阶段相匹配的适应性。

As an endogenous innovation in financing methods, the realization forms changes of farmers’ credit cooperative financing which from simplicities to complexities and from elementary to advanced are showing a dynamic process of optimization. The transition path of realization forms of farmers’ credit cooperative financing is sequentially initial practice of realization form, bottom-up endogenous development, top-down policy guidance and internal-external financing innovation, and Trinity comprehensive cooperation is the basic carrier of farmers’ credit cooperative financing. Thus, innovations emerge continuously in the course of organic integration of credit cooperation between the Bottom-up and Top-down trinity, which showing adaptability of farmers’ credit cooperative financing that matching with different development stages of the new agricultural management entities.