农村信用社发展战略研究.docVIP

宁乡县农村信用社发展战略研究 摘要：随着国家支农政策的深入，我国的农村信用社得到了不断发展，但是由于其内部诸多问题日益突出，严重地制约着农信社的发展，同时也在一定程度上影响着新农村建设。从整体而言，目前农村信用社面临的问题主要是改革力度不足，表现在人员素质、制度设计、组织机构、管理体制、经营机制、创新能力等诸多方面。同时农村信用社在农村金融市场上的垄断地位又制约了它的创新能力、降低了它的服务质量，导致其难以满足农村经济发展及新农村建设的需要。在新农村建设的背景下,宁乡县信用社也出现了上述问题。本文结合宁乡县信用社的实际情况，探讨了这些问题产生的根源并提出相应的解决措施。 关键词：管理学；新农村建设；管理体制；产权制度；改革发展 The Study on the Development Strategies of Ningxiang Rural Credit Cooperatives Abstract: With the deepening of the national agriculture policy, our country rural credit cooperatives have been the continuous development. However, many internal problems have became more prominent day by day, they restrict the development of rural credit cooperatives severely, to a certain extent, also affect the new construction in rural areas. On the whole, the main problem that rural credit cooperatives are facing is the lack of strength reform ,so in these aspects such as personnel quality, systems design, organizational structure, management structure, operational mechanism and innovation. The monopoly in the Rural financial market restraint rural credit cooperatives’ ability to innovate and lower its quality of service, so these deduce the consequence that has been difficult to meet the needs of rural economic development and the construction of a new countryside. At the context of new countryside construction, the rural credit cooperatives of Ningxiang have also rised the above problem. In this paper, combined with the actual situation of Ningxiang credit cooperatives, the writer explore the root of these questions and propose some solutions. Keywords: Management; construction of a new countryside; management structure ; property order; development and form 一、引言 “社会主义新农村这一概念，早在上世纪50年代就提出过。上世纪80年代初，我国提出“小康社会”概念，其中建设社会主义新农村就是小康社会的重要内容之一。胡锦涛总书记年在党的十六届四中全会上指出，纵观一些工业化国家发展的历程，在工业化初始阶段，农业支持工业、为工业提供积累是带有普遍性的趋向；但在工业化达到相当程度以后，工业反哺农业、城市支持农村，实现工业与农业、城市与农村协调发展，也是带有普遍性的趋向。五中全会所提建设社会主义新农村则是在新的历史背景中，在全新理念指导下的一次农村综合变革的新起点。《中共中央国务院关于推进社会主义新农村建设的若干意见》，。在社会主义新农村建设过程中，国家财政支农力度不断加大2008年