农村信用社的改革及发展现状研究.pdfVIP

农村信用社的改革及发展现状研究 ——基于河南三门峡市、吉林和龙市两地的调查 摘要：自2003年国务院公布深化农村信用社改革试点方案以来，信用社改革踏上了新的 路程。对信用社改革中的成效与不足之处，理论界已有多种探讨。本文通过对河南省三门峡 市和吉林省和龙市的实地调查，对比分析两地农村信用社的营业状况和改革现状。通过主成 成分模型和线性回归分析，研究影响农民贷款意愿的影响因素，并对现存的问题提出政策性 建议，以期促进农信社的健康发展。 关键词：农信社改革；现状调查； 实证分析 Investigation on the present condition of Investigation on the present condition of IInnvveessttiiggaattiioonn oonn tthhee pprreesseenntt ccoonnddiittiioonn ooff rural credit cooperative (RCC) revolution rural credit cooperative (RCC) revolution rruurraall ccrreeddiitt ccooooppeerraattiivvee ((RRCCCC)) rreevvoolluuttiioonn and development in china and development in china aanndd ddeevveellooppmmeenntt iinn cchhiinnaa —based on surveys in Sanmenxia, Henan Province and —based on surveys in Sanmenxia, Henan Province and ——bbaasseedd oonn ssuurrvveeyyss iinn SSaannmmeennxxiiaa,, HHeennaann PPrroovviinnccee aanndd Helong, Jilin Province Helong, Jilin Province HHeelloonngg,, JJiilliinn PPrroovviinnccee Abstract: Abstract: AAbbssttrraacctt:: Since the year 2003, in which the State Council publiced the proposal on deepen rural creditcooperative’s experimental revolution in certain area of the country, we have seen great revolution taking place toward a brand new direction. And about the achievements and some other shortcomings in the revolution, there has been a hot and fierce discuss in academic field. Based on our survey-on-the-spot in Sanmenxia, Henan Province and Helong, Jilin Province, we picked one rural credit cooperative in Sanmenxia and one in Helong, and composed this report trying to compare these two financial institutions’ business runing considering the revolution ongoing, and give explanations. Besides, by using statistical tools, we tried to analysize the essential and critical factors of the institutions that affect their clients(farmers)’ willing to loan money from the creditcooperatives, and meanwhile find out problems that