新型农村合作金融试点案例研究——以山东省枣庄市为例
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摘要
2015年1月,经国务院批准,山东省在全国率先开展了新型农村合作金融试点工作,其中枣庄市被省政府确定为信用互助业务重点试点城市,通过把农民零散的余钱集中起来,在农村合作社成立"信用互助部",定向帮扶农民生产,有效破解了农村因缺少担保、小额分散而导致贷款难的局面。研究结合枣庄新型农村合作金融的发展历史与实际情况,探究枣庄新型农村合作金融的现状,总结了枣庄市信用互助业务试点情况及成功经验情况,指出目前存在的可持续性偏弱、资金使用不对称及外部监管力量不足等问题并进行了原因分析,提出促进枣庄新型农村合作金融试点发展的对策建议。
In January 2015,with the approval of the state council,Shandong province took the lead in launching the pilot projects for of new rural cooperative finance.Zaozhuang City was identified as a key pilot city for credit mutual assistance by the provincial government.The establishment of the " credit mutual assistance" in farmer cooperative collected the farmers′ surplus to help farmers′production,effectively solving farmers′difficulty in obtaining loans due to lack of guarantees and small amount.Based on the development history and actual situation of new rural cooperative finance in Zaozhuang,the paper summarizesthe current situation and the successful experience and points out that the existing sustainability is weak and the external supervision are insufficient.It also puts forward countermeasures to promote the development of a new rural cooperative financial pilot.
In January 2015,with the approval of the state council,Shandong province took the lead in launching the pilot projects for of new rural cooperative finance.Zaozhuang City was identified as a key pilot city for credit mutual assistance by the provincial government.The establishment of the " credit mutual assistance" in farmer cooperative collected the farmers′ surplus to help farmers′production,effectively solving farmers′difficulty in obtaining loans due to lack of guarantees and small amount.Based on the development history and actual situation of new rural cooperative finance in Zaozhuang,the paper summarizesthe current situation and the successful experience and points out that the existing sustainability is weak and the external supervision are insufficient.It also puts forward countermeasures to promote the development of a new rural cooperative financial pilot.
引文
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[2]蓝虹,穆争社.论地方政府对新型农村合作金融的监管[J].金融理论与实践,2017(3):26-30.
[3]李芒环.我国新型农村合作金融组织的发展障碍与实现路径[J].农业经济,2016(1):109-110.
[4]罗斌.农村合作金融组织形式创新研究[J].农村经济,2016(5):101-106.
[5]罗荷花,李明贤,曹艺馨.我国农户融资需求及其融资可获得性的影响因素分析[J].农村经济,2015(8):52-57.
[6]马顺龙,姜泽明,李晓霞.“草根银行”破解农村金融困境——凤阳县试点农民资金互助合作社侧记[J].江淮,2008(10):43-43.
[7]潘林基,江三良.安徽省金融支持农业产业化实证研究[J].河北北方学院学报:社会科学版,2015,31(6):43-47.
[8]孙飞霞.新型农村合作金融组织的发展瓶颈与路径选择[J].学术交流,2015(7):136-140.
[9]杨团.新型农村合作金融:特征及体系——浅议山东省新型农村合作金融试点[J].银行家,2015(8):112-114.
[10]周孟亮.普惠金融视角下新型农村合作金融创新发展——兼谈“百信模式”与“山东模式”[J].财经科学,2016(9):14-23.