Position: Home > Articles > The Member-driven Financial Institutions' Governance: A Theoretical Framework and Its Application to an Comparative Analysis
Issues in Agricultural Economy
2014,35
(10)
72-82+113
成员主导型金融组织治理:理论框架与比较分析
作 者：
刘西川;陈立辉;杨奇明
单 位：
浙江理工大学经济管理学院;北京大学国家发展研究院;浙江大学中国农村发展研究院
关键词：
成员主导;金融组织;治理结构;治理机制;利益主体
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。
译 名：
The Member-driven Financial Institutions' Governance: A Theoretical Framework and Its Application to an Comparative Analysis
作 者：
LIU Xichuan;CHEN Lihui;YANG Qiming;
摘 要：
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.
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