湖南省农村信用社经营模式研究

发布时间：2018-03-12 17:25

本文选题：农村信用社　切入点：经营模式　出处：《中南林业科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：农村信用社是我国农村金融的主力军,是我国农村经济的重要组成部分,同时也是我国金融体系的重要组成部分；对支持我国农村经济发展、优化农村金融配置、促进我国农村经济快速发展有不可替代的作用。2003年6月27日国务院出台了《深化农村信用社改革试点方案》,决定将农村信用社的管理交由地方政府管理,由地方政府引导农村信用社坚持为“三农”服务的经营宗旨,这为湖南省农村信用社的改革发展,完善农村信用社的经营管理建设,促进农村信用社改革顺利开展起到了积极作用。然而,随着我国农村信用社改革的不断推进,以省联社为经营模式的湖南省农村信用社在经营管理中逐渐显现出来的问题影响到了湖南省农村信用社的改革发展。首先在查阅、收集、整理和学习国内外学者关于合作金融、农村信用社经营模式的相关理论研究,再总结国内外学者关在农村信用社经营管理方面的理论和研究方法；通过回顾湖南省农村信用发展的五个阶段和在机构改革、业务技术改革、股权结构改革、法人治理结构和支农服务五个方面的发展现状,发现了湖南省农村信用社在法人结构治理、产权主体、业务目标、历史包袱和人力资源管理等方面存在一些问题；然后在学习和借鉴德国、美国和日本在合作金融经营管理方面的经验,总结国内学术界关于农村信用社经营改革可行的五种经营模式,再结合湖南省农村信用社在经营模式中的存在的问题和农村经济发展情况,提出湖南省农村信用社下步的经营模式应该选择组建联合银行；最后从完善湖南省农村信用社法人结构治理、明晰产权关系和改善股权结构、明确农村信用社经营目标、化解农村信用社历史包袱和完善人力资源管理五个方面提出了完善湖南省农村信用社经营模式的对策。
[Abstract]:Rural credit cooperatives are the main force of rural finance in our country, an important part of our country's rural economy and also an important part of our country's financial system.To support the development of rural economy in our country, we should optimize the allocation of rural finance. In June 27th 2003, the State Council issued the "pilot Program for deepening the Reform of Rural Credit Cooperatives" and decided to hand over the management of rural credit cooperatives to local governments. The local government should guide the rural credit cooperatives to adhere to the management aim of serving the "three rural areas", which is the reform and development of the rural credit cooperatives in Hunan Province and the improvement of the management and construction of the rural credit cooperatives. The reform of rural credit cooperatives has played a positive role in promoting the reform of rural credit cooperatives. However, with the development of the reform of rural credit cooperatives in China, The problems in the management of Hunan Rural Credit Cooperatives (RCCs), which are based on the mode of management, have affected the reform and development of RCCs in Hunan Province. First of all, in the access, collection, collation and study of domestic and foreign scholars on cooperative finance, rural credit cooperatives management model related to theoretical research, and then summarized the domestic and foreign scholars in rural credit cooperatives management theory and research methods; By reviewing the five stages of the development of rural credit in Hunan Province and the present situation in the five aspects of institutional reform, business and technology reform, equity structure reform, corporate governance structure and agricultural support services, Found that Hunan Province Rural Credit Cooperatives in the corporate structure governance, property rights, business objectives, historical baggage and human resources management and other aspects of the problems; then in learning and learning from Germany, The experiences of the United States and Japan in the management of cooperative financial operations, and the five operational models of the domestic academic circles on the operational reform of rural credit cooperatives are summarized. Combined with the problems in the management mode of Hunan Rural Credit Cooperative and the development of rural economy, the paper puts forward that the next operation mode of Hunan Rural Credit Cooperative should choose to set up a joint bank. Finally, from perfecting the governance of the legal person structure of Hunan rural credit cooperatives, clarifying the relationship between property rights and improving the ownership structure, and clarifying the management objectives of rural credit cooperatives, The countermeasures of perfecting the management mode of Hunan rural credit cooperatives are put forward in five aspects: to resolve the historical burden of rural credit cooperatives and to perfect the management of human resources.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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