| 张雷,陈东平.资金互助组织存续优势及影响因素研究——基于22家农民资金互助社的调查[J].南京邮电大学学报(社会科学版）,2017,(01):76~87 |
| 资金互助组织存续优势及影响因素研究——基于22家农民资金互助社的调查 |
| Sustainable operation advantage of farmers’ mutual financial cooperativesand the influencing factors:a case study of 22 farmers’ mutual funds |
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| DOI： |
| 中文关键词: 农民资金互助社 存续优势 成本效率 随机边界分析 农村金融 |
| 英文关键词:farmers’mutual financial cooperative sustainable operation advantage cost efficiency random boundary analysis rural finance |
| 基金项目:国家自然科学基金项目“合作社内农户信用合作契约达成及治理结构选择”（71673138）；国家自然科学基金项目“农民资金互助组织演化过程中风险累积的识别与抑制研究”（71273138）；农业部软科学研究项目“农民合作社内部资金互助现实困难解决研究”（D201526） |
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| 中文摘要: |
| 相对于正规金融组织, 农民资金互助社在农村金融市场的交易费用相对较低与信息对称是其得以存续的优势。依据江苏省A县22家资金互助社2009—2014年的统计数据，基于成本效率视角，运用超越对数随机边界成本函数对农民资金互助社的存续优势及其影响因素进行实证研究。结果表明：当前农民资金互助社的存续优势参差不齐，总体上随时间变化呈现先上升后下降趋势；社员大会召开频率、核心社员持股比例、监事会召开频率，以及农经人员占监事比例对农民资金互助社存续优势的提升起促进作用，而农民人均纯收入的增加与从业人员持证比例的上升对农民资金互助社存续优势的改善起抑制作用。因此，提高对农民资金互助社外部监督力度、落实内部监督制度、建立从业人员绩效评估机制能够有效促进农民资金互助社存续能力的提升。 |
| 英文摘要: |
| Compared with formal financial organizations, farmers’ mutual financial cooperatives have sustainable operation advantages in theory due to their comparatively lower transaction fees and the information symmetry. Based on the statistics 2009—2014 of 22 farmers’ mutual funds in County A of Jiangsu Province, this paper makes an empirical study on the sustainable operation advantages and the influencing factors of farmers’ mutual funds by applying beyond logarithmic random bounds cost function from the cost efficiency perspective. The results show that: currently farmers’ mutual financial cooperatives differ in sustainable operation advantages, showing a downward trend with time after the initial rise; the frequency of members’ general assembly, the proportion of core members’ shareholding, the frequency of supervisors’ meetings, as well as the percentage of framers in the supervising committees have positive effects for the promotion of the advantages, while farmers’ increased net incomes and the increased percentage of certified practitioners have negative effects. Therefore, with strengthened external and internal supervision and performance evaluation mechanism for practitioners, the sustainable operation capacity of farmers’ mutual financial cooperatives can be effectively increased. |
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