惠东县农村信用社改制研究

发布时间：2018-01-06 00:10

本文关键词：惠东县农村信用社改制研究　出处：《湖南农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：本文的主题是惠东县农村信用社改制研究。在这篇论文中,探讨惠东县半个世纪以来对发展农村信用合作社做出的努力和目前农村信用合作社的发展情况,同时针对现状存在的矛盾提出了农村信用社改革是大势所趋,并给予了验证分析,进而为解决惠东县农村信用社发展存在的矛盾提供行之有效的解决方法,并对改制后的惠东县农村信用社存在的风险以及防范措施进行阐述,经过反复论证,证明向农村商业银行的过渡是惠东县农村信用合作社在新时代背景下的必然选择。惠东县农村信用社的改革是一项系统工程,需要不断的调整完善,需要不断的探索。在正文首先将绪论作为本论文的切入点,绪论的内容主要有三部分,背景、目的和意义组成。此外,经过了解国内和国外的知名学者对农村信用社现状的理解和认识,主要认为农村信用社的根本性问题是产权制度问题。随后,是对惠东县农村信用合作社相关研究的文献综述。这些研究主要围绕两个问题展开：一是有关我国农村金融体系适应方向的争论——合作制还是商业化；二是对我国农村信用社合作制性质的有关理论争论。第二部分主要研究了惠东县农村信用合作联社基本状况,主要包括惠东县经济发展状况和惠东县农村信用合作联社基本情况,从内外环境着手研究,为下文的论述作铺垫。第三部分是本论文的核心部分,通过详细的论述和有力的数据佐证,对组建惠东农商银行的必要性和可行性、市场前景和业务发展计划进行科学分析,得出结论：惠东县地域优越,经济发展走在中国大部分地区的前沿,是农村合作金融组织发展的天然土壤,以股份制的原则规范农村信用社的改革,应该成为惠东县农村信用合作联社改革的基本取向。同时,对改制后的农商银行的风险性进行披露,并提出防范措施。第四部分是研究信用社的改革发展需要国家政策的支持,需要国家出台一系列的政策措施以及当地政府一如既往的资金支持和政策扶持。惠东县农村信用合作联社全体人员需要全面打开经营思路,广开路子,摒弃旧思想、旧观念,以全新的体制、全新的经营理念将改制后的农村商业银行发展壮大。本研究根据理论联系实际原则,通过查阅惠东县农村信用合作联社的相关报表、农村金融的相关书籍、报刊、杂志、统计年鉴,收集有关专家及主管部门的纲领性文件和全省各级政府分别出台的扶持政策,总结出惠东县农村信用合作联社改制为农村商业银行的必要性和可行性。
[Abstract]:This paper discusses the reform of rural credit cooperatives in Huidong County . In this paper , the author discusses the efforts made by Huidong County to develop rural credit cooperatives and the development of rural credit cooperatives . At the same time , it puts forward some effective solutions to the problems existing in the development of rural credit cooperatives in Huidong County , and expounds the risks and preventive measures in the development of rural credit cooperatives in Huidong County , and proves that the transition from rural commercial banks is the inevitable choice of rural credit cooperatives in Huidong County in the new era . The reform of rural credit cooperatives in Huidong County is a system engineering , and needs to be constantly adjusted and perfected . The content of introduction is mainly composed of three parts , background , purpose and meaning . The second part mainly studies the basic situation of rural credit cooperatives in Huidong County , mainly including the economic development situation in Huidong County and the basic situation of rural credit cooperatives in Huidong County , and the research is carried out from the inner and outer environment . The third part is the core part of this paper . Through the detailed exposition and the powerful data supporting evidence , the necessity and feasibility , the market prospect and the business development plan of the Bank of Huidong County are analyzed scientifically . The conclusion is that Huidong County is the leading edge of the development of rural cooperative financial organizations . It is the basic orientation of the reform of rural credit cooperatives in Huidong County . At the same time , the risk of the reformed agricultural bank is disclosed , and the preventive measures are put forward . The fourth part is to study the reform and development of the credit cooperatives , which requires the support of the national policy , requires a series of policy measures by the state and the previous financial support and policy support of the local government . According to the principles of theory and practice , this study is based on the relevant statements of the rural credit cooperatives in Huidong County , relevant books , newspapers , magazines and statistical yearbooks of rural finance , and collects the programmatic documents of experts and competent authorities and the support policies issued by the governments at all levels of the province , and summarizes the necessity and feasibility of the reform of rural credit cooperatives in Huidong County to be rural commercial banks .

【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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