互助金规模与农民资金互助合作社的稳健运行——基于股权结构的面板门限回归分析被引量：11

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摘要本文运用2010—2012年134家苏北农民资金互助合作社的调研数据,结合面板门限回归方法对互助金规模与农民资金互助合作社运行稳健性的关系进行实证分析。结果显示,互助金规模提高会提升农民资金互助合作社运行稳健性,但这一作用存在单门限效应:当股权结构低于门限值时,互助金规模提升有利于农民资金互助合作社的稳健运行;而股权结构超过门限值后,互助金规模提高则会增加其运行风险。此外,贷款投放、业务多样性以及外部经济因素也会影响农民资金互助合作社稳健运行。适度规模经营是规避风险的合理选择,限制发起人股金比重,杜绝贷款投放"非农化",坚持"小而散"的贷款发放,完善风险管控和农业保险体系等措施均有利于农民资金互助合作社的稳健运行。

作者赵锦春包宗顺

机构地区江苏省社会科学院农村发展研究所

出处《农业技术经济》 CSSCI 北大核心 2015年第12期16-31,共16页 Journal of Agrotechnical Economics

关键词互助金股权结构稳健性面板门限回归

分类号 F832.35 [经济管理—金融学]

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