农村信用社改革绩效问题研究.pdfVIP

农村信用社改革绩效问题研究 —— 以江苏江阴农村商业银行为例 摘 要 农村信用社是我国农村金融的基础力量，在支持农业和农村经济发展中起着 极为重要的作用。经历多次改革，农村信用社有所发展，但效果不大，由于中国 体制等各方面的因素使信用社改革与发展陷入困境。 在研究过程中，对江苏江阴农商行进行分析，详细对比了江阴农商行改革前 后的绩效。研究表明，农信社改革有利于促进农村信用社发展，但此次改革仍存 在诸多问题，应当继续推进信用社改革，深化改革，才能促使农信社可持续发展。 并提出相关的对策建议。 关键词 农信社；改革；绩效 I Research on Performance of Rural Credit Banks -An Example From Jiangyin Rural Commercial Bank Abstract Rural credit cooperative is the foundation of our rural finance, it plays an extremely important role in supporting the development of agriculture and rural economic. Undergone many reforms, rural credit cooperatives have been developed, but there is little effect, because of factors such as the various aspects of the Chinese system reform and development of credit unions to make trouble. During the study, Jiangsu Jiangyin Rural Commercial analyzes detailed comparison of performance before and after the reform of agricultural businesses in Jiangyin. Research shows that the reform of rural credit cooperatives and promoting the development of rural credit cooperatives, but there are still many problems this reform, credit unions should continue to promote reform, deepen reform of rural credit cooperatives in order to promote sustainable development. And make relevant suggestions. Keywords RCCs ；reform ；Performance II 目 III IV 1 绪论 1.1 研究背景 近 50 年来，中国农村信用社经历了多次反复的改革。改革权限不断变化交 给不同单位管理，其中有数次交给农业银行管理。到了 1979 年改革开放之后， 我国恢复农业银行，农村信用社正式成为中国农业银行的基层机构。20 世纪 80 ① 年代初到 90 年代中后期，我国开始恢复农村信用社的 “三性 ”，组建县联社， 建立 “县— 乡” 二级法人体制，并在 1996 年与中国农业银行正式脱钩，由中 国人民银行