【作者】 张玉静；

【导师】 赵芳；

【作者基本信息】 吉林大学 ， 农业硕士（专业学位）， 2016， 硕士

【摘要】 农村信用社作为我国农村金融的主力军,不仅满足了农民农业生产的贷款需求,还为农户提供多样化的金融服务,对农民生活水平的提高,农村经济的快速发展起到了推动作用。随着我国对各个地区农村信用社改革力度的不断加大,农信社的发展也越来越好,组织结构与管理体制不断完善,涉农贷款业务越来越多元化,逐渐满足农村经营主体需求的多样性。但是我国不同地区农村信用社的发展仍然存在很多问题,本文以黑龙江省农村信用社为主要研究对象,通过实地访谈与调查收集大量数据资料,通过对其进行整理分析黑龙江省农村信用社的发展过程与现状,针对现状分析存在的问题,并提出切实可行的对策建议。本文首先介绍了黑龙江省农村信用社发展问题的研究背景及研究意义,国内外研究现状,以及本文的研究内容、研究方法与技术路线及论文的理论基础。其次,对黑龙江省农村信用社的发展历程进行了深入研究,通过对不同阶段的研究了解黑龙江省农村信用合作社的发展历史,并从中获得启示。然后分别从组织结构现状和经营管理现状两方面入手对黑龙江省农村信用社的发展现状进行分析。再次,针对黑龙江省农村信用社的发展历史和发展现状,提出当前存在的问题,主要表现在:区域性经济发展不平衡、农村信用合作社缺乏良好的企业文化、风险控制能力弱,不良贷款多、人力资源断层,缺乏复合型人才、创新能力弱,缺少创新热情、经营体制落后、管理机制不健全,缺少监管制度、政企不分,责任意识不明确等。最后,针对黑龙江省农村信用社现阶段存在的主要问题,提出相应的对策建议,主要包括建立科学有效的平台,提高现有人员素质、完善农户信用评价体系,强化风险控制、完善公司治理结构,健全内部管理机制、完善电子技术服务体系、转变省联社职能、进行工作方式创新,提升金融创新能力、提升企业文化等。更多还原

【Abstract】 Rural credit cooperatives as the main force of the rural finance of our country, not only to meet the demand for loans for farmers in agricultural production, but also provide a variety of financial services for farmers, improve the living standards of farmers and the rapid development of the rural economy to the role. With the constantly increasing of our country on various areas of rural credit cooperatives reform, the development of rural credit cooperatives is also getting better and better, organization structure and management system of continuous improvement, agricultural loan business has become more and more diversified gradually to meet the diversity of the main demand of the rural business. However, there are still a lot of problems in the development of different regions in China, rural credit cooperatives, this paper take the Heilongjiang Province Rural Credit Cooperatives as the main object of study, through field interviews and surveys collected a lot of data, through carries on the reorganization analysis the development process and the status of rural credit cooperatives in Heilongjiang Province, in view of the present situation analysis of the existing problems, and put forward feasible countermeasures and suggestions. Therefore, it has certain theoretical and practical significance to study the rural credit cooperatives in Heilongjiang province.This paper first introduces the research background and significance of the development of rural credit cooperatives in Heilongjiang Province, domestic and international research status, as well as the content of this paper, research methods and technical routes. After the adoption of the concept of rural credit cooperatives and cooperative system theory, financial repression and financial deepening theory, rural financial market imperfect competition theory, the three basic theory detailed definition and analysis, to grasp the overall understanding of rural credit cooperatives, laying the groundwork for the better for the in-depth study. Secondly, research on the development of rural credit cooperatives in Heilongjiang Province, which is divided into three main stages, namely initial pilot, tortuous development and deepening reform stage. Through the study of different stages of the development of rural credit cooperatives in Heilongjiang province history, and get inspiration. Then separately from the organization structure present situation and the management present situation two aspects to carry on the analysis to the Heilongjiang province rural credit cooperative’s development present situation. Again, according to the historical and current development of rural credit cooperatives in Heilongjiang Province proposed the existing main problems are regional imbalance in economic development, rural credit cooperatives lack of good corporate culture, risk control ability is weak, adverse loan, fault of human resources, the lack of compound talents, weak innovation ability, lack of enthusiasm for innovation, backward management system and management mechanism is not perfect, lack of supervision system, the government is not separated sense of responsibility is not clear. Finally, aiming at the main problems of Heilongjiang Province Rural Credit Cooperatives existing at the present stage, puts forward corresponding countermeasures and suggestions, including the establishment of scientific and effective platform, improve the quality of existing staff, perfect farmer credit evaluation system, strengthen risk control, improve the corporate governance structure, improve the internal management mechanism, improve electronic technology service system, shift functions of the Provincial Association, innovative ways of working, to promote financial innovation ability, promote the enterprise culture.更多还原