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1988年以来,四川省农村合作基金会发展较快,在搞活农村闲散资金,为农村合作经济组织和农户的融资服务中作用日益明显。但合作基金会要健康发展下去,还有许多问题亟待研究和解决。1.资金投放的地域范围。一般说来,合作基金会在本乡镇放款,一旦出了问题,易借助于行政手段的干预收款;而在外乡(镇)放款,出了问题则收款难度较大。为稳妥起见,我们建议:筹集资金数额(未含代管资金,下同)在20万元以下的合作基金会,资金投放原则上在本乡(镇)农村进行;集资数额在20万元以上,融资经验丰富的,资金投放以本乡(镇)为主,对外乡(镇)符合贷款条件、风险性较小的合作经济组织或个人也可投放。但应注意的是,要求用于本乡(镇)的专项资金只能在本乡(镇)使用,不能异地投放。
Since 1988, the Sichuan Rural Cooperative Foundation has been developing rapidly, playing an increasingly significant role in invigorating rural idle funds and providing financing services to rural cooperative economic organizations and rural households. However, if the cooperative foundation needs to develop healthily, many problems still need to be studied and solved urgently. 1. Funding geographical scope. In general, cooperative foundations have lent money in their townships and townships. Once problems occur, they are liable to receive payments by means of administrative measures. When loans are made in other townships (towns), problems arise when receiving funds. For the sake of safety, we suggest that the fund-raising should be conducted in the township of the township (town) in principle by raising funds of cooperative funds under the amount of 200,000 yuan (excluding escrow funds, the same below); the fund raising amount is above 200,000 yuan , Financing experience is rich, the capital is mainly invested by the township (town), and the loan can be provided to the foreign towns (towns) in line with the loan conditions. The cooperative organizations or individuals with less risk may also be put on. However, it should be noted that the special funds required for the township (town) can only be used in the township (town) and can not be distributed in different places.