我国农村信用社法人治理结构问题研究论文论文.docVIP

第三部分：考察了美、德两国农村合作金融发展模式，揭示了两种模式的共性 及其对完善我国农村信用社法人治理结构的启示。 第四部分：系统提出并论述了完善我国农村信用社法人治理结构的路径。特别 是提出了采用企业集群模式构建我国农村信用社体系的构想，这是本文值得注意的 一个创新性思路。 本文以法人治理结构有关知识为指导，同时学习、借鉴国内外关于法人治理结 构理论研究的有益成果，运用国外研究与国内研究相结合、规范分析与实证分析相 结合、比较研究与综合分析相结合、内因与外因分析相结合等方法，着重从产权、 内部人控制、权力约束与监督机制等方面入手，在影响农村信用社法人治理结构的 外部环境和内部治理结构改造两方面进行了较为详细的论述，分析我国农村信用社 法人治理结构的现状，探讨如何建立和完善法人治理结构。  【关键词】　农村信用社  法人治理结构  产权制度  股份合作制  2 Abstract Rural credit cooperatives which are shared by farmers， rural industrial and commercial households， and various economic organizations， are the local communal financial institutions that provide services for farmers， agriculture and rural economic development， are the main force in the rural financial services and financial ties with peasants. At present ， the corporate governance structure of rural credit cooperatives are nominal and in name only， that affects not only their own development and market competitiveness on the micro level， but also the allocation efficiency of rural financial resources and rural economic growth on the macro level. Thus， in June 2003， the State Council issued the program of deepening the reform of rural credit cooperatives， that mentioned the requirements specifically ： corporate units， reforming the property rights system of credit cooperatives， making the relation of property rights clear， improving the corporate governance structure ， distinguishing various types ， identifying different forms of ownership . The stable efficient operation of rural credit cooperatives directly related to the stability and development of the whole rural finance of China. Changing rural credit cooperatives into the community-based financial organizations with a perfect corporate governance structure， a clear property rights and serving for farmers， agriculture and countryside mainly， has become the fundamental starting point of reform and development of the rural credit cooperatives. At present， the reform of rural credit cooperatives of China h