摘要
围绕成员主导型金融组织治理的特殊性,本文提出一个有机贯穿组织目标、治理问题、治理结构与机制的理论框架,并在此框架下比较分析了国内三类成员主导型金融组织即社区发展基金、村级发展互助资金和农村资金互助社的组织目标、治理问题以及治理结构与机制。研究发现,净借款者主导、管理者控制是这三类组织中最突出的两个治理问题,且前者是此类组织特有的治理问题;三类组织的治理结构、治理机制尚未对其治理问题做到有针对性的匹配,具体表现为,由于缺乏对净借款者与管理者的有效激励与监督,净储蓄者与非管理者成员的利益得不到有效保护;外部支持与监管不仅不能促进各利益主体实现激励相容,反而加剧了他们之间的利益不平衡。
This paper proposes a theoretical framework to the member-driven financial institutions,which connects the targets with the governance issues,the governance structure and the governance mechanism. Under this framework,this paper analysizes the Poor Village Development Mutual Help Fund,the Community Fund and the Rural Fund Cooperative. It has been found that the net-borrower dominance and the manager-control are the two prominent governance issues,and the former is the unique one. Also,the governance structure and mechanism have not been matched with the governance issues. Due to the absence of the effective motivation and supervization to the the net-borrower and the manager,the benefits of net-savers and non-manager members have been damaged; instead of not succeeding in helping the members to reach the incentive compatibility,the outside support and supervization have exacerbated the interest conflicts among the members.
出处
《农业经济问题》
CSSCI
北大核心
2014年第10期70-80,111,共11页
Issues in Agricultural Economy
基金
国家自然科学基金青年项目"信贷约束与市场分割:基于微观计量模型的经验研究"(编号:70903056)
教育部人文社会科学重点研究基地重大项目"贫困地区村级发展互助资金的跟踪评价与支持研究"(编号:12JJD790004)
浙江理工大学科研启动基金项目"贫困村村级发展互助资金的效果评价研究"(编号:11212932611202)
