我国农村信用合作社改革的研究.pdfVIP

我国农村信用合作社改革研究 摘要 经过50多年的发展，我国农村信用合作社已发展成为一个有着自身特 色的金融组织，在支持农民、农业和农村经济发展中发挥了重要作用，已 逐步成为我国农村金融的主力军和联系广大农民群众的金融纽带。但由于 其管理体制的不断变化，出现了诸如产权不明晰，法人治理结构不完善， 经营机制和内控制度不健全等问题，这些都严重地制约着农信社的稳定健 康发展，因而深化以农村信用合作社为主体的农村金融体制改革，培育农 村“造血”功能，是当前我国实现农民增收的现实途径之一。本论文以农 村信用合作制度改革为背景，对我国农村信用合作社改革和发展进行了综 述，从理论上对农村信用合作制度进行了分析，从实践的角度对农村信用 合作社改革试点进行了比较评价，在此基础上借鉴国外信用合作社发展的 经验，对我国农村信用合作社今后改革的方向和重点，以及相应的对策进 行了研究和论述。 文章得出的结论是股份制商业银行模式是今后农信社的改革方向。文 章的结尾部分提出了进一步深化农信社改革应采取的措施：认为应该通过 引入大股东；落实宏观管理的责任和扶持政策；改善农信社发展的外部法 律环境：建设农村良好的信用环境；因地制宜采取多种模式组建农村社区 银行以及发展民间合作金融组织等方面进行改革。 关键词：农信社制度改革改革模式产权明晰股份制 THE STUDY oN REFoRM oF THE RURAL CREDIT CooPERATIVE IN CHINA ABSTRACT After over 50 years’development，the rural credit cooperative has developed to a fmancial institution、jlrim its own characters which has played an important role in the development of farmers，agriculture and the rural economy and has gradually become the leading force of the rural financial institutions in China and the financial bond for connecting the numerous farmers．The stable and healthy development of the rural credit cooperative is severely restricted， however,bY the continuous changes of its management system，such as the obscure property right，the imperfect administration structure by legal person， and the imperfect operational mechanism and internal control system． Therefore，it’S one of the practical ways of increasing the Chinese farmers’ income at present to deepen the financial institutional reform in rural areas with the rural credit cooperative as the main body and to cultivate the selfdevelopment function in the countryside．Taking the reform of the rural credit cooperative system as the background，this paper expounds comprehensively the reform and the development ofthe rural credit cooperative in China，analyzes in theory such system and makes comparison between and evaluation for in practice the pilots for such reform．Then the paper continues to study and discuss，by using the concerning experience offoreign countries for reference