期刊论文

中文

农业经济问题

1000-6389

2019

12

99-107

10.13246/j.cnki.iae.2019.12.010

国家社科基金项目“基于农村金融增量改革的农户融资约束缓解研究”(编号:13BJY097) 湖南农业大学省级优秀博士学位论文培育基金项目(编号:YB2018008)。

本校为第一机构

基于农户联合、解决自身金融需求的农村资金互助社,是农村普惠金融的重要实现形式。然而,我国农村资金互助社发展受限,合作金融功能弱化,农村金融消费者权益受损,都影响普惠金融目标的实现。本文基于集体行动逻辑和公共物品私人供给模型,探讨资金互助组织集体行动达成的困境和实现条件,分析了农村资金互助社运营过程中社员的共益权、自益权和救济权的内容及其实现情况,揭示了由于资金互助社发展过程中自身蕴含公平与效率的矛盾,进而影响到农村金融消费者权益和普惠金融目标的实现,提出不仅需要完善资金互助社自身制度安排、协调异质性社员的利益关系,还需要政府提供政策资金支持、明确权力边界、...

The rural funds mutual-aid cooperative,which is based on farmers’union and solution to their financial demands,is an important form of rural financial inclusion.However,the development of rural funds mutual-aid cooperative is limited,cooperative financial function is weaken,and the rights and interests of rural financial consumer is damaged,which affect the realization of financial inclusion.Based on the logic of collective action and the model of private supply public goods,the article discusses the collective action’s dilemma and constructi...