The Evolving Process of Rural Financial System of China and Analysis on the Mutual Aid Fund Functions Based on Farmers Cooperativ - Collections | Kyushu University Library

＜departmental bulletin paper＞
The Evolving Process of Rural Financial System of China and Analysis on the Mutual Aid Fund Functions Based on Farmers Cooperativ

Creator	Author PID L005259 Creator Name 李, 強 Li, Kyo Affiliation Affiliation Name 九州大学大学院生物資源環境科学府農業資源経済学部門食料流通学研究室 Laboratory of Food Marketing, Division of Industrial Organization of Agribusiness, Department of Agricultural & Resource Economics, Graduate School of Bioresource and Bioenvironmental Sciences, Kyushu University
	Author PID K002242 Creator Name 福田, 晋 Fukuda, Susumu Affiliation Affiliation Name 九州大学大学院農学研究院農業資源経済学部門食料流通学研究室 Laboratory of Food Marketing, Department of Agricultural and Resource Economics, Faculty of Agriculture, Kyushu University
	Author PID K003567 Creator Name 森高, 正博 Moritaka, Masahiro Affiliation Affiliation Name 九州大学大学院農学研究院農業資源経済学部門食料流通学研究室 Laboratory of Food Marketing, Department of Agricultural and Resource Economics, Faculty of Agriculture, Kyushu University
Language	Japanese
Publisher	九州大学大学院農学研究院
Publisher	Faculty of Agriculture, Kyushu University
Date	2013-02-28
Source Title	Science bulletin of the Faculty of Agriculture, Kyushu University
Vol	68
Issue	1
First Page	7
Last Page	18
Publication Type	Version of Record
Access Rights	open access
JaLC DOI	https://doi.org/10.15017/26148

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PISSN	1347-0159
NCID	AA11577672
Record ID	26148
Peer-Reviewed	Unrefereed
Subject Terms	金融制度
	農村資金互助社
	農民専業合作社
	金融機能
	financial system
	rural financial cooperatives
	farmers cooperatives
	financial functions
Notes	Since 1980s' economic reform and opening-up, regular financial organizations can't meet the demand for depending on the cause of the system, such as lack of collateral and asymmetry of information money in rural areas. On the other hand, the presence of private finance has been increased its' rationality and necessity with the development of rural economy. But interest of private finance is so high that farmers can't use it easily. The rural financial system was reformed at the end of 2006, and then the farmers cooperatives have been enabled to make use of surplus funds in the region. This paper makes a case study of two farmers cooperatives in Shandong of China. By performing a mutual aid funds within cooperatives, financial functions of cooperatives can be demonstrated, it was determined that the financing of farmers is easier and the cost of borrowing is lower. In addition, it is enabling to adjust the excess or deficiency of funds between farmers' member who are facing the lack of collateral and the asymmetry of information system to meet the financial needs of that have not been met so far. Reform of the financial system was able to solve the farmers' problem of difficult financing system successfully by achieving the effective use of funds within farmer members in rural areas.
Notes	1980年代の改革開放以降,中国の正規金融組織は情報の非対称性と担保制度の欠乏などの原因によって,農村部の資金需要に応えきれない.一方,民間金融は農村経済の発展とともに一定の合理性と必要性が生まれてきたが,利息が高く,供給が不安定のため,問題を残している.これらに対し,2006年末の農村金融制度の改革により,農民専業合作社は地域内の余剰資金を利用することが可能になった.本論文は中国山東省の二つの農民専業合作社に事例調査を行い,合作社内部での資金互助を実施することによって,農家の資金調達がやすくなり,借入れコストも低くなることを究明した.また,農家会員間の資金過不足を調節し,これまで満たされていなかった農家の資金需要を満たすことができたことを明らかにした.この金融制度の改革は効果的に農家の融資難の問題を解決し,農村資金の有効利用を実現することができた.
Created Date	2013.03.27
Modified Date	2022.11.11