普惠金融视角下供销合作社开展农村金融服务的调查研究——基于供销基层组织的问卷调查

Research on the Rural Financial Services Provided by Supply and Marketing Cooperatives——A questionnaire survey based on grass-roots of supply and marketing cooperatives

推动我国普惠金融的高质量发展,需要加大对新型农业经营主体的金融保障力度,需要健全农村金融服务体系。供销合作社以为农服务为宗旨,不断提高普惠金融服务水平,在信用合作、产业贷款、农业供应链金融等方面取得了许多成果。本文基于全国的136份供销基层组织的调查数据,研究了基层组织提供农村金融服务的主要效果、存在的难点。结果发现,六成以上的基层组织已经开展金融服务,助农贷款、合作发展基金和涉农保险业务是主要服务内容,融资担保业务开始崛起,基层工作热情很高。然而,基层组织普遍对金融服务工作的职能定位认识不清晰,金融服务与供销业务的融合度不足,基层的发展基础相对薄弱。因此,基层组织要持续加强与金融机构的信用合作,以实体产业为支撑,打造“供销产融生态圈”,切实为基层主体提供普惠金融服务。

To promote the high-quality development of inclusive finance in China,we need to increase the financial guarantee for new agricultural business entities,improve and perfect the rural financial service system.With the aim of serving agriculture,supply and marketing cooperatives have continuously improved the level of inclusive financial services,and have achieved great results in credit cooperation,industrial loans,and agricultural supply chain finance.Based on survey data from 136 grassroots organizations,the article is studying the effects and difficulties in providing rural financial services.It was found that more than 60% of grassroots organizations have already provided the financial services,with agricultural loans,cooperative development funds,and agricultural insurance as the main service contents.Financing guarantee has great business development.The work enthusiasm of grassroots communities is very high.However,grassroots communities generally lack a clear understanding of the functional positioning of financial services work,and the integration of financial services and supply and marketing business is insufficient.The development foundation is relatively weak.Therefore,grassroots organizations should continue to strengthen credit cooperation with financial institutions,rely on physical industries as support,create a " Industry and finance ecosystem of supply and marketing cooperatives",and effectively provide inclusive financial services to grassroots entities.