【作者】 余卫平；

【导师】 刘德煌；

【作者基本信息】 厦门大学 ， 金融学， 2006， 硕士

【摘要】 经过50多年的发展,农村信用社已成为我国金融体系的重要组成部分,为农村经济的发展做出了很大贡献。然而,农村信用社在支持我国农村经济快速发展的同时,自身也积累和面临着许多亟待解决的问题。2004年,《国务院办公厅关于进一步深化农村信用社改革试点的意见》发布后,新一轮的农村信用社改革在全国范围内发起,经济发达地区的农村信用社率先开始改造为农村商业银行、农村合作银行等发展模式。对于经济欠发达地区的农村信用社来说,是模仿经济发达地区的改革模式,还是另僻佳径呢?目前我国经济发展的不平衡性,相对于发达地区来说,经济欠发达地区广大农民群众更需要农村信用社的金融服务,地方政府也更需要农村信用社来支持“三农”。现存的诸多问题又严重困扰制约着当地农村信用社的生存发展。如何根据当地特有的自然、社会和经济状况,探索一条合适的发展道路,这不仅有深刻的理论意义,而且具有很强的现实意义。本文共分五个部分:首先对合作金融理论的概念及内涵进行阐述,并考察了合作金融在外国的实践及发展模式,在此基础上研究了国外农村合作金融发展对我国的启示;第二章围绕合作金融在我国的发展对现阶段我国农村信用社发展状况及存在的主要问题进行了分析;第三章对我国经济欠发达地区进行界定,并进一步分析了我国经济欠发达地区农村信用社的发展现状,其中主要分析了目前存在的如历史包袱沉重、产权制度缺损、法人治理结构不完善、经营管理较差、外部环境恶劣等主要问题;第四章探索性地提出规范的合作制是我国经济欠发达地区农村信用社改革模式的最佳选择;针对存在的问题,第五章就我国经济欠发达地区农村信用社在改革措施(产权制度变迁、保留基层社的法人地位、优化法人治理结构、业务开展、完善一系列经营管理体制)及外部环境支持(政策支持、金融立法、构建农业保险制度、完善土地产权、信用环境的构建)等方面提出了对策性的建议。期望本文的研究能对经济欠发达地区农村信用社的改革起到一定的借鉴作用。更多还原

【Abstract】 Through the development of more than fifty years, rural credit cooperatives, which contribute a lot to the progress of rural economy, have became an important part of Chinese financial system. However, rural credit cooperatives are facing many problems which need to be settled while they are contributing to the economical development of the country’s rural areas. In the year of 2004, after the publishing of <Opinion of the General Office of the State Council on Further Deepening Experimental Reform of the Rural Credit System >, another wave of rural credit reform began spreading all over China. During this process, the rural credit cooperatives of developed regions began to transform into the pattern of rural commercial bank or rural cooperative bank. As far as rural credit cooperatives of the less developed regions are concerned, which is better? To imitate the pattern of the developed areas or to find another way? Nowadays, Chinese economy is not developing in a balanced way. Consequently, comparing to the developed areas, the farmers of the less developed regions are in a badly need of financial services of rural credit cooperatives. At the same time, the local governments also need the rural credit cooperatives to increase investment in agriculture, rural areas and farmers. However, the survival and progress of local credit cooperative is being seriously restricted by the existing problems. So, it is meaningful not only theoretically but also practically to research and explore a suitable developmental way according to the natural, social and economical conditions of the local areas.. This dissertation is divided into five parts. First of all, it defines the concept and intension of cooperative finance theory and investigates the practice and pattern of this theory in foreign countries .On this basis, it studies what China can learn from it. Chapter two discusses the present condition and problems of China’s rural credit cooperatives after viewing the growth of cooperative finance. Chapter three gives a definition of less developed areas. Then it deeply studies the developmental conditions of the rural credit cooperative in these regions, especially the problems like the heavy historical burden, shortage of property right system, unsound administration and ill external environment. Chapter four explores that in the process of rural credit cooperative reform, the normative system of cooperation is the best choice for the backward areas. Aiming at the existing problems, chapter five comes out with the corresponding suggestions on the reform measures of the rural credit cooperatives in the less developed regions (changing the system of property right, retaining the legal person status of the grass-roots unit, perfecting the administration structure of corporation aggregate, carrying out business, completing the series of administration system) and external environment support (support granted for policy consideration, financial legislation, setting up the system of agricultural insurance, consummating the land-property right, construction of the credit environment). Heartily, the author hopes that the reform of the rural credit cooperatives in the less developed regions can draw on some experience from this paper.更多还原