黑龙江省农村资金互助社绩效研究
发布时间：2018-08-12 12:52
【摘要】：随着农村经济的不断发展,农村金融体系也在不断完善。2006年随着文件《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》出台,农村资金互助社作为一种新型的农村合作经济组织在农村逐渐成立。2007年《农村资金互助社管理暂行规定》、《农村资金互助社组建审批工作指引》、《农村资金互助社示范章程》的出台,对农村资金互助社做出进一步政策性指导。从实践情况来看,在这些政策的指引下黑龙江省农村资金互助社取得了一定成效,缓解了农村地区贷款难的问题,农户的收入也有了定的提高。同时,不断发展的农村资金互助社吸引了越来越多的农民参与,这将有利于农村资金互助社进一步扩大和发展。本文以农村资金互助社这一新型的农村合作经济组织为研究对象重点研究了黑龙省农村资金互助社的绩效水平。分析农村资金互助社发展现状,进行绩效评价,并就影响农村资金互助社绩效的原因进行深入分析,可以为黑龙江省农村资金互助社的改革和发展指明方向,同时为黑龙江省农村发展,满足农民贷款资金需要提供切实可行的对策。 本文综述了国内外关于农村金融合作组织的研究动态,在国内外研究成果基础上重点研究了黑龙江省农村资金互助社的绩效问题。首先对农村资金合作社进行了界定,介绍了黑龙江省目前存在的三种类型的农村资金互助社,把经银监会批准成立在工商部门注册的7家农村资金互助社作为本文的研究对象。其次从农户参与程度、资本规模、服务项目等方面分析了黑龙江农村资金互助社的发展现状并总结出黑龙江省农村资金互助社在发展过程中存在的资金管理不完善、缺乏风险控制、融资渠道单一等问题。重点讨论了黑龙江农村资金互助社的绩效水平问题,通过调查问卷的形式对黑龙江省银监会批准成立的7家农民资金互助社进行调研,了解发展模式、管理水平等情况,针对调研数据对影响黑龙江省农民资金互助社绩效的因素进行筛选和总结,选出14个变量,建立绩效评价体系,然后利用主成分分析的方法进行实证,借助SPSS软件进行数据整理分析,最后评定出7家农村资金互助社的绩效排名并针对绩效分值总结黑龙江省农民资金互助社的绩效水平,在总结绩效水平的基础上结合调研情况对影响绩效的因素进行分析。最后根据制约因素分析结果有针对性提出提高黑龙江省农村资金互助社绩效的措施和政策建议。
[Abstract]:With the continuous development of the rural economy, the rural financial system is also constantly improving. In 2006, with the publication of the document "some opinions on the Adjustment and relaxation of the admission Policy of Banking Financial institutions in Rural areas to better support the Construction of a New Socialist Countryside", As a new type of rural cooperative economic organization, the rural fund cooperative society is gradually established in the countryside. In 2007, the interim regulations on the Management of Rural Fund Credit Cooperative, the guidelines for the examination and approval of the Establishment of Rural Fund Cooperative, and the demonstration of Rural Fund Cooperative The introduction of Fan's articles of Association, To make further policy guidance to rural fund mutual aid society. From the practical situation, under the guidance of these policies, Heilongjiang Rural Fund Credit Association has achieved certain results, alleviated the problem of difficult loans in rural areas, and the income of farmers has also been improved. At the same time, more and more farmers are involved in the development of the rural fund cooperative, which will benefit the further expansion and development of the rural fund cooperative. This paper focuses on the study of the performance level of the Rural Fund Mutual Cooperative Society, a new type of rural cooperative economic organization in Heilong province. This paper analyzes the present situation of rural fund cooperative development, carries on the performance evaluation, and makes a thorough analysis on the reasons that affect the performance of the rural fund credit union, which can point out the direction for the reform and development of the rural fund cooperative in Heilongjiang province. At the same time, for the rural development of Heilongjiang Province, to meet the needs of farmers loan funds to provide practical countermeasures. This paper summarizes the research trends of rural financial cooperative organizations at home and abroad, and focuses on the performance of Heilongjiang Province Rural Fund Mutual Credit Association on the basis of domestic and foreign research results. Firstly, the paper defines the rural fund cooperatives, introduces three types of rural fund cooperatives, and sets up seven rural fund cooperatives registered in the industry and commerce department by CBRC as the research object of this paper. Secondly, the paper analyzes the present situation of Heilongjiang Rural Fund Cooperative from the aspects of farmers' participation, capital scale and service project, and concludes that the fund management of Heilongjiang Rural Fund Mutual Cooperative is not perfect in the process of development. Lack of risk control, single financing channels and other issues. The paper mainly discusses the performance level of Heilongjiang Rural Fund Credit Association, investigates the seven farmers' fund mutual societies approved by Heilongjiang Banking Regulatory Commission, and understands the development model, management level and so on. According to the investigation data, the factors that affect the performance of farmers' mutual aid societies in Heilongjiang Province are screened and summarized, 14 variables are selected, and the performance evaluation system is established, and then the principal component analysis method is used to carry out empirical research. With the help of SPSS software, the performance ranking of 7 rural fund mutual aid societies is evaluated and the performance level of Heilongjiang farmers' mutual fund cooperative is summarized according to the performance score. On the basis of summing up the performance level, this paper analyzes the factors influencing the performance based on the investigation. Finally, according to the results of the analysis of constraints, the paper puts forward some measures and policy suggestions to improve the performance of rural mutual aid societies in Heilongjiang Province.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
本文编号：2179110
[Abstract]:With the continuous development of the rural economy, the rural financial system is also constantly improving. In 2006, with the publication of the document "some opinions on the Adjustment and relaxation of the admission Policy of Banking Financial institutions in Rural areas to better support the Construction of a New Socialist Countryside", As a new type of rural cooperative economic organization, the rural fund cooperative society is gradually established in the countryside. In 2007, the interim regulations on the Management of Rural Fund Credit Cooperative, the guidelines for the examination and approval of the Establishment of Rural Fund Cooperative, and the demonstration of Rural Fund Cooperative The introduction of Fan's articles of Association, To make further policy guidance to rural fund mutual aid society. From the practical situation, under the guidance of these policies, Heilongjiang Rural Fund Credit Association has achieved certain results, alleviated the problem of difficult loans in rural areas, and the income of farmers has also been improved. At the same time, more and more farmers are involved in the development of the rural fund cooperative, which will benefit the further expansion and development of the rural fund cooperative. This paper focuses on the study of the performance level of the Rural Fund Mutual Cooperative Society, a new type of rural cooperative economic organization in Heilong province. This paper analyzes the present situation of rural fund cooperative development, carries on the performance evaluation, and makes a thorough analysis on the reasons that affect the performance of the rural fund credit union, which can point out the direction for the reform and development of the rural fund cooperative in Heilongjiang province. At the same time, for the rural development of Heilongjiang Province, to meet the needs of farmers loan funds to provide practical countermeasures. This paper summarizes the research trends of rural financial cooperative organizations at home and abroad, and focuses on the performance of Heilongjiang Province Rural Fund Mutual Credit Association on the basis of domestic and foreign research results. Firstly, the paper defines the rural fund cooperatives, introduces three types of rural fund cooperatives, and sets up seven rural fund cooperatives registered in the industry and commerce department by CBRC as the research object of this paper. Secondly, the paper analyzes the present situation of Heilongjiang Rural Fund Cooperative from the aspects of farmers' participation, capital scale and service project, and concludes that the fund management of Heilongjiang Rural Fund Mutual Cooperative is not perfect in the process of development. Lack of risk control, single financing channels and other issues. The paper mainly discusses the performance level of Heilongjiang Rural Fund Credit Association, investigates the seven farmers' fund mutual societies approved by Heilongjiang Banking Regulatory Commission, and understands the development model, management level and so on. According to the investigation data, the factors that affect the performance of farmers' mutual aid societies in Heilongjiang Province are screened and summarized, 14 variables are selected, and the performance evaluation system is established, and then the principal component analysis method is used to carry out empirical research. With the help of SPSS software, the performance ranking of 7 rural fund mutual aid societies is evaluated and the performance level of Heilongjiang farmers' mutual fund cooperative is summarized according to the performance score. On the basis of summing up the performance level, this paper analyzes the factors influencing the performance based on the investigation. Finally, according to the results of the analysis of constraints, the paper puts forward some measures and policy suggestions to improve the performance of rural mutual aid societies in Heilongjiang Province.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35
【共引文献】
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