【作者】 李姣；

【导师】 李明贤； 陈建；

【作者基本信息】 湖南农业大学 ， 农村与区域发展（专业学位）， 2017， 硕士

【摘要】 农村信用社作为主要面向农村,面向农户的特殊金融机构,在带动地方农村经济发展,推动农村经济进步,完善农村金融市场,丰富农村金融产品等方面发挥着重要作用。自2003年以后,国家开始针对农村信用社自身体制,历史遗留等问题进行改革以促进农村信用社更好服务“三农”,支持社会主义新农村建设。湖南省农村信用社积极配合国家政策,也实施了一系列的改革措施,从2010年起,一些市州信用社逐步改组为农村商业银行,其商业化改革是否达到了预期目的?效果如何?改革过程中面临哪些困境?如何进一步进行改革创新,都亟待研究与解决。因此,本文选取了湖南省农村信用社商业化改革为研究对象,通过大量的文献阅读后,采用定性分析与定量分析,规范分析与实证分析相结合的方法。首先回顾了国内外关于农村信用社改革的研究成果,分析了湖南省农村信用社改革发展历程及研究的理论基础;然后,对湖南省农村信用社商业化改革实践进行了论述,包括阐述湖南省农村信用社商业化改革的前提与基础以及实践过程中的主要措施等;再次,通过收集的数据,从湖南省农村信用社改革后股权与治理结构、经营业绩、支农服务等方面对改革效果进行了分析,并在此基础上得出目前湖南省农村信用社商业化改革过程所面临的困境,如存在着商业化经营与政策性支农的矛盾、实现一级法人治理的困难、同业之间的竞争压力、内控管理水平和风险管理能力不足等;最后,笔者从上述四个方面所存在的困境出发提出了相对应的对策与建议,以期为湖南省农村信用社商业化改革提供参考,具有非常重要的现实意义。更多还原

【Abstract】 Rural credit cooperatives play an important role in driving rural economic development,promoting rural financial progress,perfecting rural financial market and enriching rural financial products as a special financial institution for rural areas and facing farmers.Since 2003,the state began to rural credit cooperatives for their own system,historical legacy and other issues to promote rural credit cooperatives to better serve the three rural,to support rural construction.Hunan Rural Credit Cooperatives actively cooperated with national policies and implemented a series of reform measures in 2010.Hunan Rural Credit Cooperatives undertook commercialization reform in 2012.Some city and state credit cooperatives were gradually reorganized into rural commercial banks,and their commercial reforms Has it reached the goal? How’s the effect? What are the dilemmas in the reform process? How to further reform and innovation urgently study and solve.Therefore,this paper chooses the commercialization reform of rural credit cooperatives in Hunan province as the research object.After reading through a large number of literatures,the method of qualitative analysis and quantitative analysis,normative analysis and empirical analysis is adopted.The paper analyzes the development process and the theoretical basis of the reform of rural credit cooperatives in Hunan Province,and then discusses the practice of commercialization of rural credit cooperatives in Hunan Province,including the exposition of Hunan province The prerequisite and basis of the commercialization of rural credit cooperatives and the main measures in the process of practice;Thirdly,the paper analyzes the effect of the reform,and analyzes the effect of the reform of the rural credit cooperatives after the reform of the rural credit cooperatives in Hunan Province,the evaluation of the business performance,the evaluation of the agricultural service and so on.On this basis,The author points out the dilemma faced by the commercialization reform process of rural credit cooperatives in Hunan province,which mainly has the contradiction between commercial management and policy support agriculture,the difficulty of realizing one level of corporate governance,the competitive pressure among the industry,the internal control management level and Finally,the author puts forward the countermeasures and suggestions from the four aspects of the above difficulties,which provides a reference for the commercialization of rural credit cooperatives in Hunan Province,and has very important practical significance.更多还原