【作者】 王飞；

【导师】 吕德宏；

【作者基本信息】 西北农林科技大学 ， 农业推广， 2015， 硕士

【摘要】 农村信用合作联社作为我国金融体系的重要组成部分,是立足于农村、面向农户的特殊金融机构,在农村经济发展过程中的地位和作用日益突出。自2003年以来,国家就开始对农村信用合作联社自身的体制、历史问题等进行改革,以促进农村信用合作联社更好地服务三农,近年来,三原县农村信用合作联社的发展规模明显扩大,借贷业务量也不断增长,然而,农村信用合作联社仍然存在系列问题,并在改革发展中逐渐陷入举步维艰的境地,经营管理水低、风险控制能力偏弱等等,这在一程度上影响了三原县农村信用合作联社的竞争力,本文总共分5个部分。第一部分首先阐述了论文的研究背景、目的和意义,同时还概述了国内外的研究动态,提出了本文研究主要内容及方法,创新点及不足之处。第二部分三原县农村信用合作联社的发展现状及取得成就。近年来,三原县农村信用合作联社发展迅速,在支持农村经济发展方面效果显著,特别是营业网点逐年增加,机构设置及人员队伍也不断优化,在存款和贷款业务方面规模也逐年扩大,农民的纯收入也得到提高。第三部分三原县农村信用合作联社发展过程中存在的问题。其问题主要突出表现以下几个方面:管理体制不完善,内部管理机制不完善,历史包袱沉重,影响农村信用合作社的发展,而且还受到了政府部门的干涉,民主管理难以得到保证,经营管理方面薄弱,规模还是比较小,运行效率仍然较低,在管理环节仍然比较薄弱,并且远离合作金融的初衷,另外,综合服务功能不健全,投资或金融服务渠道仍然比较单一,金融服务产品匮乏,导致大量资金流出农村地区,最后,监管体系不完善,农村信用合作社的金融生态环境亟待优化,组织体系也需要进一步完善,监管体系也比较落后,工作人员综合素质仍然比较偏低,缺乏专业的金融人才。第四部分对存在的原因进行深入分析。主要表现在以下几方面:法人法理结构不健全,农村信用合作联社立法缺失,产权归属不清楚,资金来源渠道单一,经营机制不灵活,地方政府干涉过多,金融服务环境比较恶劣等。第五部分针对存在的问题,找出深层次的问题所以,并结合三原县及农村信用合作联社的管理现状及已有研究成果,提出改善农村信用合作联社发展的对策建议。首先,完善管理体制,强化农村金融主力军作用;其次,不断加强经营管理,提高金融业务水平,尽快明确产权,多元化改革,不断丰富支农服务;最后,完善法律制度环境,加大扶持力度,加强农村信用合作联社法律体系建设,建立保障机制,防范农村金融风险发生,同时,还加大企业文化建设和人才队伍建设,并且得到了政府的大力支持。第六部分结论与展望。更多还原

【Abstract】 As an important part of China’s financial system, rural credit cooperative is a special farmers-oriented financial institutions based in rural areas and occupies an increasingly prominent position as well as plays a more and more important role in the economic development of rural areas. Ever since 2003, China began to take reform in the system and historical issues of rural credit cooperatives so as to promote rural credit cooperatives better serve for agriculture, farmers and rural areas. In recent years, rural credit cooperatives in Sanyuan County obviously expand their scales with a constant increase of debit and credit business. However, there are still a series of problems in rural credit cooperatives, which gradually fall into a difficult position in reform and development with low operation and management level as well as weak risk control ability, etc. All these affect the competitiveness of rural credit cooperatives in Sanyuan County to some extent. This paper is divided into five parts.Part One first elaborates on the research background, purpose and significance of this paper, summarizes domestic and foreign researches and proposes main contents of this research as well as its methods, innovations and defects.Part Two is about the current situation of Sanyuan County Rural Credit Cooperative Union and its achievements. In recent years, Sanyuan County Rural Credit Cooperative Union has developed rapidly and made big improvements in supporting the development of rural economy. Detailedly, the business outlets have increased year by year, and the institutions and staff have been optimized while the deposit and loan business scale has been expanded, and the net income of farmers also improved.Part Three is to discuss the main problems faced by Sanyuan County Rural Credit Cooperative Union in its development.The following aspects will highlight these problems.The imperfect management system and internal management mechanism as well as the heavy historical burden have limited the development of rural credit cooperatives, and the interference of government departments and the weakness in the democratic managements have resulted in the relatively small size, the low efficiency and the weak management links,which is far away from the original intention of financial cooperation. In addition, with the lack of financial services products, the comprehensive service function is not sturdy, and theinvestment or financial service channels are still relatively simple, which has caused a large amount of outflow of funds in rural areas. Lastly, with the relatively imperfect supervision system and low comprehensive quality of the staff as well as the lack of professional financial personnel, the financial ecological environment of the rural credit cooperatives and the organization system need to be optimized.Part Four gives an in-depth analysis of the reasons of those problems. The reasons mainly manifest in the following aspects: the structures of the legal person and legal principle are not perfect; the rural credit cooperative union lacks legislation; the property ownership is not clear; the sources of funds are too simple; the operating mechanism is not flexible; the local government meddles too much; and the financial service environment is not very good.Part Five aims to find out the deep-seated problems based on the existing ones, and combining with the management present situation of Sanyuan County Rural Credit Cooperative Union and the existing research results to put forward countermeasures and suggestions to improve the development of the rural credit cooperative union. Firstly, the management system should be improved and the main force role of rural finance strengthened.Secondly, with continuing to strengthen management and financial business, the property rights and should be indentified as soon as possible, diversified reforms carried out and supports in agriculture constantly enriched. Finally, to avoid the occurrence of rural financial risk, the environment of the legal system should be improved and the construction of legal system of rural credit cooperatives be strengthened, and the guarantee mechanism should also be established. At the same time, construction of enterprise culture and talent team should be noticed and supports form the government be emphasized.Part Six is the conclusion and prospect.更多还原