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资金互助社具有信息优势,却面临资金缺乏的困境。本文在分析了资金互助社几种可能资金来源的基础上,详细剖析了商业银行与资金互助社两种联结方式的利弊,在此基础上,提出银行通过资金互助社管理向其社员直接信贷是现有情况下一种最有效的模式,该创新模式有力地拓展了资金互助社资金来源。
Mutual-funded social fund has the advantage of information, but faces the shortage of funds. Based on the analysis of several possible sources of funds, this paper analyzes in detail the advantages and disadvantages of the two modes of connection between commercial banks and mutual funds, and on this basis, puts forward that bank direct credit to its members through the management of mutual funds is One of the most effective models available under the current circumstances, which effectively expands the sources of funding for mutual funds.