【作者】 黄亚林；

【导师】 曾福生； 李明贤；

【作者基本信息】 湖南农业大学 ， 农业经济管理， 2004， 硕士

【摘要】 农村信用社作为支持农村经济发展的主要金融部门，在整个国民经济的持续稳健发展中起到了十分重要的作用。然而，农村信用社在为农村经济发展提供强大金融支持的同时，基于制度的、历史的以及自身的诸多因素的影响，其自身的生存与发展存在诸多问题。这些问题的存在降低了农村信用社对农村经济发展的支持效率，因而，必须尽早探索出适于农村信用社改革的可行方案，以便使其得到健康发展，为“三农”的发展作出更大的贡献。 本文首先阐述了农村信用社的发展现状及存在问题，然后对农村信用社现存问题的原因进行了深入地系统剖析。在此基础上，提出了农村信用社改革的思路和对策，指出农村信用社的改革应因地制宜，采取多种模式并举的方式。根据不同农村信用社发展状况及特点，分别进行合作制加强、农村合作银行、农村商业银行的改制，并提出了具体的建议和措施。最后，为了提高改革方案实施的有效性，本文还对农村信用社改革的外部环境建设进行了探析。更多还原

【Abstract】 Rural Credit Cooperative of China is a main kind of financial sector giving service to the development of rural economy. As a kind of financial medium supporting the development of rural economy, it plays an important role in the sound development of national economy. However, given strong support to the development of rural economy, with influences of system, history and those from itself, Rural Credit Cooperative of China has massive problems which cut down the efficiency of supporting the development of rural economy. Therefore, it is urgent to tackle such a puzzle and look for the feasible project of reform of Rural Credit Cooperative of China which makes itself healthy development and makes peasants,countryside and agriculture quicker development.This paper firstly states the present development situation and problems of Rural Credit Cooperative of China. And then, after the thorough check of the present problems of reform of Rural Credit Cooperative of China, it profoundly analyzes its key reasons. Subsequently, it puts forward its special suggestions and counter-measures of reform of Rural Credit Cooperative of China and inquires into the corresponding environmental construction that aims to raise the effectiveness of measures’ execution.更多还原