摘 要
摘 要
“三社”是我国农业农村发展进程中不可或缺的重要主体，也是推动农村集体经
济组织化、实体化的骨干力量。“三社”融合发展是指以推动我国农业农村高质量发
展为根本，以为农服务为核心，通过对农民专业合作社、供销合作社、信用合作社在
生产管理环节、市场供销渠道、信用服务支撑等方面优势的深度整合，形成推动农村
集体经济发展的合力，并通过专业化分工和高效化合作合理配置涉农资源，以更好促
进农业现代化发展，为乡村振兴战略提供有力支持和保障。
“三社”作为现代农业经济的中流砥柱，推动“三社”相互支持、完善功能，以
“三社”融合发展的方式促进农业增效、农民增收，是贯彻落实习近平总书记“三农”
工作重要指示、提升农村基层党组织领导农村经济发展能力的务实之举；是充分发挥
“三社”各自优势、助推农村集体经济发展水平的有效途径；是深化农业农村体制改
革、提升为农服务能力的重要举措。在深入实施乡村振兴的宏伟背景下，“三社”融
合发展对于有效整合我国农村集体经济资源、切实提升我国农村集体经济实力发挥着
至关重要的作用。然而，在“三社”融合发展的实际探索过程中，由于融资风险不易
控、融合体系不完善、统筹协调不规范等原因，“三社”融合发展的融资困境难以得
到有效缓解。因此，深入研究“三社”融合发展的融资风险纾解机制，具有重要的现
实意义。
本文围绕“三社”融合发展的融资现状、融资主要问题、融资风险成因以及风险
纾解机制等内容展开研究。首先，介绍本文的选题背景、研究目的和研究意义，回顾
国内外有关“三社”融合发展问题的相关研究成果，梳理“三社”融合发展的相关概
念及理论基础，为深入研究“三社”融合发展融资风险的类型及形成原因提供依据；
其次，以调查走访和查阅资料的方式了解“三社”融合发展的融资现状及存在的主要
问题，从中梳理“三社”融合发展的融资风险及形成原因；再次，在理论研究的基础
上，基于农业供应链金融思想，通过构建农民专业合作社、供销合作社、信用合作社
“三社”的三方演化博弈模型，对“三社”融合发展的融资风险进行纾解机制设计，
并对所设计机制进行模拟仿真实验；最后，根据仿真实验结果对“三社”融合发展的
风险纾解提出针对性的对策建议。
关键词：“三社” 融资风险 纾解机制 演化博弈
I

Abstract
Abstract
"Three cooperatives" is an indispensable and important subject in the process of
agricultural and rural development in China, and it is also the backbone force to promote
the organization and substantiation of rural collective economy. The integrated
development of "three cooperatives" refers to taking promoting the high-quality
development of China's agriculture and rural areas as the foundation, taking agricultural
services as the core, forming a joint force to promote the development of rural collective
economy through the in-depth integration of the advantages of farmers' professional
cooperatives, supply and marketing cooperatives and credit cooperatives in production
management links, market supply and marketing channels and credit service support, and
reasonably allocating agricultural resources through professional division of labor and
efficient cooperation, In order to better promote the development of agricultural
modernization and provide strong support and guarantee for the Rural Revitalization
Strategy.
As the mainstay of the modern agricultural economy, the "three cooperatives"
promote mutual support and improve their functions, and promote agricultural efficiency
and farmers' income by means of the integrated development of the "three cooperatives". It
is a pragmatic move to implement the important instructions of General Secretary Xi
Jinping on "agriculture, rural areas and farmers" and to improve the ability of rural
grass-roots party organizations to lead rural economic development. It is to give full play
to the respective advantages of the "three cooperatives", An effective way to boost the
development level of rural collective economy is an important measure to deepen the
reform of agricultural and rural system and improve the ability to serve agriculture. Under
the grand background of in-depth implementation of rural revitalization, the integrated
development of "three societies" plays a vital role in effectively integrating China's rural
collective economic resources and effectively improving China's rural collective economic
strength. However, in the actual exploration process of the integrated development of the
"three cooperatives", due to the difficult control of financing risks, imperfect integration
system, non-standard overall coordination and other reasons, the financing dilemma for the
integrated development of the "three cooperatives" is difficult to be effectively alleviated.
Therefore, it is of great practical significance to deeply study the financing risk reduction
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