【摘要】 农村资金互助合作社是我国新兴的农村合作金融组织,2000年以来,在我国广大农村地区蓬勃发展,为满足农户的资金需求发挥了重要作用。但是,农村资金互助合作社自身融资困难、管理人员专业知识不足且缺乏培训等问题阻碍了其进一步发展壮大,无法为互助社农户提供生产生活急需的资金。本文将对农村资金互助合作社绩效进行研究,分析影响其绩效的主要因素,以促进其健康发展。本文的研究方法主要包括定性分析法、实证分析法、以及案例分析法,利用回归模型测算互助社贷款对农户收入增长的促进作用是本文的创新点。本文首先对国内农村资金互助合作社的组织类型、融资渠道以及经营业务等方面作了阐述,并以梨树县凤翔资金互助社作为案例对互助社的组织结构、运作机制以及融资困境等方面作了分析;其次通过对梨树县乡镇农户的实际调研,利用回归模型对互助社贷款绩效进行了测度;最后通过调研案例分析了影响农村资金互助社绩效的各种因素,并对促进资金互助社的健康发展提出了建议。本文的结论如下：第一、在农村社区狭小的地域范围内,社员彼此之间的信息对称是农村资金互助合作社运行的制度基础。交易成本低和贷款人的诚实守信是农村资金互助社顺利运行的保障。第二、农村资金互助社社员股金主要有资格股和投资股两种股金组成,不同种类的股金所赋予的权限不同。第三、农村资金互助合作社作为一种新型农村金融机构,它的产生促进了农村金融市场的多元化,促进了农村金融机构的良性竞争,在一定程度上缓解了农户的贷款难题,但是由于自身资金匮乏规模受限,农村资金互助合作社的出现不足以改变农村金融供给不足的局面。第四、威望高且精通金融业务的理事长是资金互助社创立发展的重要保障,获取金融许可证有利于互助社吸纳存款壮大资金规模,而依托农民专业合作社不利于互助社更广泛的吸纳会员,限制了资金互助社长远发展。第五、农村资金互助社贷款与社员家庭人均纯收入之间存在正向关系,社员贷款增加1%,社员人均纯收入会增加0.473398%。

　　【Abstract】 In china, rural financial cooperative institutions are burgeoning rural cooperative financial organizations. Since two thousand years, the institutions have developed in vast rural area of China and played an important role for meeting the financial needs of farmers. However, the institutions encounters many difficulties such as self-financing, lack of expertise and lack of training .Those have hindered its development and growth fatherly, so the institutions could not provide enough funds to farmers for production and life. This paper will research and analyze the main factors affecting the performance of the institutions in order to promote their healthy development.The research methods include qualitative analysis, empirical analysis and case analysis. The paper has estimated institutions loans performance to promote farmers income growth with regression model. This method is innovation of this paper. Firstly, this paper describes the type of organization, financing and operations and analyses organizational structure, operational mechanisms and financial difficulties in FengXiang financial cooperative institution of Lishu county; Secondly, according to the actual investigation of farmers in Lishu county, the paper uses regression model to measure the performance of the institution loans; Finally, this paper analyzes the factors which affect rural financial cooperative institutions performance through investigating cases, and table proposals for the successful development of rural financial cooperative institutions.The paper concludes as follows:Firstly, in small rural communities within the geographical scope, the rural financial cooperative institutions runs at the basis of membership information symmetry each others .The lower transaction costs and lenders honest guarantee the rural financial cooperative institutions operating smoothly.Secondly, the rural financial cooperative institutions shares mainly consist of two kinds of capital stock. The different shares have different rights.Thirdly, as a new-type rural financial institution, the birth of rural financial cooperative institutions promotes the diversification of rural financial markets, accelerates the healthy competition of rural financial institutions and eases the loan problems of farmers to a certain extent. However, because of the lack of funds and the limited scale, the emergence of the rural community can’t afford to change the situation of insufficient supply of rural finance.Fourthly, an outstanding director with high prestige is the key of institutions development; obtaining financial license favors enlarging financial scale, while attaching to farmer cooperatives is harmful for institutions to attract wider members, and limits the long-term development of institutions.Fifthly, the rural financial cooperative institutions loans are positively correlated with net income of per person, and members’loans increase 1%, correspondingly, net income will increase 0.473398%.

　　【关键词】 农村资金互助合作社； 绩效； 影响因素；

　　【Key words】 rural community together to mutual funds； performance； factors；