导　　师： 杨定华

学科专业： 020204

授予学位： 硕士

作　　者： ;

机构地区： 云南财经大学

摘　　要： 农村信用社作为我国金融体系的一个重要组成部分,是联系广大农民群众的金融纽带和农村金融的主力军,近年来,随着我国金融改革的进展,农村信用社在我国农业和农村经济发展中的地位和作用日益突出。但是担负支农重任的农村信用社还是不能满足日益增长的农村需求,完全发挥自己的作用。而且我国农信社建设不管在自身建设,还是在适应为“三农”服务的要求等方面,都存在不少问题。尤其是在产权制度不明晰,法人治理结构不完善,经营机制和内控制度不健全等方面表现尤为明显,政府支持体系还没有建立等。因此,对我国农村信用社进行改革不可避免。 本文试图从农信社产生的根源、背景出发,讨论在目前情况下,实行打造现代流程银行的可能性,从而进一步探讨关于农信社改革的新模式。本文的主要内容和观点是:产权问题是农信社改革的基本和核心,认为历史改革不完全的重点在于农村信用社产权不明晰。只有重新塑造农信社的产权模式,改革才能迈入实质性的一步。本文将在理论分析的基础上,结合比较实证分析,按照逻辑推理,逐层展开。本文的主要贡献在于引入了法人治理结构的理论,对农信社发展的历程进行认真分析,探讨其产生问题的原因,并主要从产权的角度进入,探讨产权改革的有效措施。另外本文还结合了本人在农信社基层工作的一些实践经验,并融入到本文中的案例和事实的基础分析中。在文章的深化农信社改革部分,提出的改革方案也是比较具有创新的观点,且有一定的现实意义与说服力。 Nowadays in China, People have pay attention to“three-dimensional rural issues”extremely, which means the agriculture, the country and the peasant. The rural financial system reform is related to farmers, agriculture and rural economic development overall. In recent years, a major event in China's financial reform is to deepen reform of rural credit cooperatives. China's financial system, rural credit cooperatives as an important part of the main force in rural finance, and with the peasants of financial ties, in China's agricultural and rural economic development in the increasingly prominent position. Shoulders the heavy responsibility of supporting agriculture, but rural credit cooperatives can not effectively play its role, the current construction of rural credit cooperatives in China both in its own building, or in adapting to the ' three-dimensional rural issues ' service requirements and so on, there are many problems .Especially in the property rights system, operations, the performance of the internal control system, mainly lack of clarity of property rights, inadequate corporate governance structure, operational mechanisms and internal control systems, and government support for the establishment of such system yet not be established. Therefore, the reform of rural credit cooperatives in China is inevitable. This paper attempts to explore the root causes of rural credit cooperatives, background, explore in the present circumstances, application of traditional principles the possibility of cooperative system, which give a new model of rural credit cooperatives reform. The main contents and the view is that the key to the historical lack of reform of rural credit cooperatives, uncertainty of property rights. The Property rights are the core and foundation of reform of rural credit cooperatives, only reshape the system of property rights; reform could be taking a substantial step. This will be the basis of comparative analysis, combining empirical analysis, logical reasoning, and layer by layer

关 键 词： 农村信用社 产权改革 法人治理结构 内控制度 中间业务

领　　域： [经济管理]