农信社改革“迷局”：合作制还是股份制（国外英文资料）.docVIP

农信社改革“迷局”：合作制还是股份制（国外英文资料） The bureau of agricultural trust reform the puzzle bureau : the cooperative system is the shareholding system The 2004-11-19 13:06:06 The reform of rural credit cooperatives is a problem in the financial system. More than 30, 000 institutions, up to 500 billion yuan in bad debt, cannot be avoided. At the same time, the problem of the credit bureau is not only a problem for the financial system, but also a political task for the three farmers service. This round of reform of rural credit cooperatives click on key words have two: one is down, namely the decentralization of the CBRC supervision of rural credit cooperatives to the provincial government, the other is a pay, the central bank will use refinancing and central bank bills on 50% of the rural credit cooperatives of bad loans to pay. The conflict of goals can explain the difficulties of the nonga, but it is not a reason to reject change. From the reform of property right to the support of funds, the government is seeking the synergy of incremental change through multiple channels, and the private sector has not stopped thinking and recommending reform. The most common practice of local government operations is the rapid expansion of agro-agencies. Increase endowment spread can quickly reduce the non-performing loan ratio (because the denominator), do big asset scale, obtain the central bank to provide other preferential policies, you can also to the larger rural cooperative or the direction of commercial Banks, financial channels for local governments to provide wider. The state encourages cooperation intention is, let the cooperative bank is similar to a club : internal members of the club for more financing and credit, and the club members are mostly farmers. Through the way of club mechanism, to attain the goal of FuNong. And the joint-stock Banks, major shareholders have the final say, you can ignore the demands of the members of the club. The reform has entered an awkward period