合作社信用合作资金规模扩增与放贷风险防控机制分析

合作社信用合作的生长既需要考察信用合作资金规模的扩增逻辑,也需要考察放贷资金的安全运作机制。借鉴新经济社会学的嵌入性理论可以发现,村社嵌入是合作社信用合作发展的基本特征。合作社信用合作嵌入村社,能够从村庄社区汲取多元的社会资源,从信用合作资金规模扩增的角度看,在乡村能人的推动下关键群体共同出资分摊了合作的初始成本,合作业务网络的构建推动着核心社员群体的形成,为信用合作提供稳定的资金来源,组织声誉在地域社会的口碑效益为合作社持续扩增社员规模和拓展资金来源创造了机会;从信用合作放贷资金风险防控的角度看,合作社设置的贷款额度与社员家庭经济承受能力相匹配,对放贷对象的筛选利用了村庄社区中“面子货币”的运作机理,并逐步培养了社员依规还贷的自觉意识,这都有助于合作社健全合作金融制度,有效防范金融风险。

Analysis on Scale Expansion of Cooperative Credit Funds and the Prevention Mechanism of Loan Risk

Resources are the core elements in the composition of the credit cooperative growth system of farmer cooperation.The growth of credit cooperation requires not only the expansion logic of the capital scale of credit cooperation,but also the safe operation mechanism of lending funds.The paper introduces the embedding theory,and analyzes that the embedding of villages is the basic feature of cooperative credit development.The credit cooperation of farmers’cooperatives is embedded in the village community and can draw diverse social resources from the village community.From the perspective of the capital scale expansion of credit cooperation,the key groups jointly share the initial cost of cooperation under the promotion of rural talents.The construction of cooperative business network promotes the formation of core membership group and provides a stable source of funds for credit cooperation.The benefits of organizational reputation in the local society have created opportunities for the cooperation to continue to expand the size of members and the source of funds.From the perspective of risk prevention and control of credit cooperative lending funds,the loan quota set up by cooperation is matched with the economic endurance of members;and the selection of loan objects makes use of the operation mechanism of“face currency”in the village community,and gradually develops the sense of self-awareness of the community members in accordance with the rules on loan.All these contribute to the sound cooperative financial system of cooperation and effective prevention of financial risks.