【作者】 孙迪；

【导师】 丁肇勇；

【作者基本信息】 吉林大学 ， 金融学， 2007， 硕士

【摘要】 农村信用社是我国重要的地方性金融机构,50多年来,在解决“三农”问题中发挥了重要作用。随着我国金融体制改革的深化,在国有商业银行基本退出农村金融市场的背景下,农村信用社已经成为支持“三农”的金融中坚力量。为增强对农村经济社会发展的金融支持,国家加快了农村信用社改革步伐。但在典型政府主导改革模式下,农村信用社制度安排与结构设计未发生实质性变革,当前农村信用社经营行为仍在很大程度上受政府意图的影响,制度缺陷仍是制约当前农村信用社改革和发展的重要因素之一。由于受宏观经济体制的影响,在政府主导的强制性制度变迁背景下,农村信用社虽然走向民有民营的现代合作金融之路,但由于制度惯性影响,仍存在诸如管理体制不科学、产权关系复杂、运行机制不完善等问题,与当前农村金融服务需求之间仍存在一定差距。与城市金融服务相比,农村金融服务市场具有典型的相对弱势的特征,农村金融服务体系的完善与发展,离不开政府的支持。但由于金融服务的自然属性,仍需要充分发挥市场机制的作用,为此,优化农村信用社改革中的政府职能就具有重要的意义,在明确政府职责范围的同时,还需强化政府在行业管理、政策扶持和资金资助等方面的职能。更多还原

【Abstract】 Since rural credit union set up in our country, it has taken serving "agriculture, farmers, countryside and community " as purpose in a long range, and has taken an important part in supporting the development of agriculture, farmers and rural economy. The central government has carried out a series of reform in rural credit cooperation field since the reform and open policy. But under the leadership of government, the arrangement and structure design of rural credit union system has not changed substantially. The behavior of rural credit union has been under the control of government.In 2003, the State Council made a new program. The program has been put into action with greater strength. But due to the heavy historical burden of rural credit union, small in scale, single-brand business, and slow behavior of local governments, the task of rural credit union reform is extremely difficult. Therefore, our society should deepen rural credit union reform and set up new model rural credit union system. It’s the necessary demand of building Well-off Society in All-round Way and building a new socialist countryside.Based on the research of rural credit union reform, both domestic and abroad, this paper reviewed the progress of rural credit union reform about its effect and problem. Thus, this paper provides some reasonable suggestions in government function optimization of rural credit union reform. The main body of the paper is divided into three parts:Part one:Introduction.This part analyzes the background of the subject. The central government has carried out a series of reform in rural credit union since the union set up. But under the guidance of the government, previous reform of rural credit union always focused on setting and adjustment of the organization, centralization and decentralization of central and local governments, the delineation of management authority. The system and structural design of rural credit union has not undergone any substantial change. Defects in the system still constitute an important factor of restricting development and reform of the rural credit union. This part reviews the current research and development process of reform of rural credit union. Thus it provides the structure of this thesis and dissertation research methods.Part two:The function and effect of government in the history evolution of rural credit union reform. It can be divided into four stages: the stage in which rural credit union was established with the outside drives of the government; the stage in which rural credit union reform developed unsteadily and was under the control of government whose behavior is changing frequently; the stage in which government combined with the effect of the market, rural credit union started initial phase of reform; the stage in which market-oriented reform of rural credit union was under the control of government. Rural credit union has a history of more than 50 years of reform and the development. Rural credit union reform has achieved initial results. The progress has mainly manifested in some aspects: a marked improvement in operating efficiency, increasing capital funds to expand the stock share smoothly, and gradually perfecting the property rights system. Furthermore, The government is playing an important role in the reform and development of rural credit union .The influence has mainly manifested in strengthening policy support, improving the external environment and also promoting management and supervising of rural credit union.Part three:The government function optimization in rural credit union reform.At present, there are some problems of the government function of rural credit union reform. There is no enough supply of policy, lack of proper policy support; the government management system is imperfect, primary level government’s intervention is negative and local governments are lack of means to dispose of risk. The causes of such problems are arising in gaming of "the government, regulatory commission, and credit unions". The government management system is not perfect as well as the government administration reform is not sound and so on. Based on the problem of government function in rural credit union reform, this paper puts forward three suggestions. First, Relocating the government function, including improving the management ability and coordinating the relation of "the government, regulatory commission, and credit unions". Second, strengthening the management of rural credit union, including exploring some approaches, establishing the financial supervising mechanism, establishing drive and restraint mechanism of rural credit union. Third, strengthening the policy support and financial support of rural credit union. Administration specialized agency should be set up, taking tax revenue preferential policy as well as the support policy for finance service. The government should support the rural credit union in the finance and the tax policy, increase funding support, resolve the bad assets of rural credit union and strengthen the support for the " agriculture, farmers, countryside and community " to promote the service function of building a new socialist countryside.更多还原