通辽市农村信用社改制研究

发布时间：2018-04-09 20:52

本文选题：通辽市　切入点：农村信用社　出处：《内蒙古师范大学》2013年硕士论文

【摘要】：近年来,通辽市农村经济有了较大的变化,农业现代化对资金的需求与农村金融不能有效提供金融供给之间的矛盾越来越大,而且农村信用社长期积累的问题已经使得其对现实的农村金融环境的适应性越来越差,其自身的可持续发展也面临较大的问题。适时,通辽市政府金融部门根据通辽市“十二五”规划要求,制定了通辽市的金融业发展规化,农村信用社改制便是其内容之一。而本文正是基于这样的背景,研究通辽市农村信用社的改制问题,以期为通辽市的农村信用社改制提供理论上的参考。本文主要遵循提出问题——分析问题——解决问题的传统写作思路。首先分析了农村信用社的现实情况(存在的问题、.阻碍因素)；据此研究改制的最终产权模式决定问题；最后借鉴国内外成功经验,提出有关政策措施。文章主要采用规范分析和实证分析,定量分析和定性分析相结合的研究方法,得出了股份制是通辽市农村信用社改制的最佳产权模式的关键性结论。本文第一部分,提出问题。总结了通辽市农村信用社制度变迁的特点,意在改革中遵循制度变迁的继承性,以求克服制度变迁所带来的路径依赖；从实证角度分析了通辽市农村信用社存在的问题,诸如’产权不明晰,法人治理不完善,历史包袱严重、管理体制混乱等问题。改制必然涉及到利益格局的重新调整,难免会有阻力,通辽市农村信用社改制,将要受到当地特定社会经济环境的制约、部分利益相关者的挟持和政策上的制约。第二部分,分析问题。在前面的定性研究基础上,根据当地农村经济和农村金融的特点,采用层次分析模型的定量研究方法,得出通辽市农村信用社改制的产权模式的最佳路径选择是股份制的商业银行模式。第三部分,解决问题,在借鉴经验的基础上,提出政策措施。农村合作金融在发达国家已有成功典型,欧洲的英国、德国、法国,美洲的美国,亚洲的日本,等等,在农村合作金融的实践上颇有成功经验。本文主要分析德国、美国、日本三个国家的农村合作金融实践,并从中总结经验,通过与通辽地区当地情况的比较分析,得出对通辽市改制有关的启示,主要是：对合作制和股份制要有重新的认识；要充分认识到改制的阻力,需根据现实情况分步实施;产权改革是重中之重；实施破产约束和风险防范机制。文章最后从产权改革、农村金融环境、法人治理等方面提出了改制的建议措施。
[Abstract]:In recent years, the rural economy of Tongliao City has undergone great changes. The contradiction between the demand for funds in agricultural modernization and the inability of rural finance to provide financial supplies effectively is becoming more and more serious.Moreover, the long-term accumulation of rural credit cooperatives has made their adaptability to the real rural financial environment worse and worse, and their own sustainable development is also facing greater problems.In due time, according to the "12th Five-Year Plan" of Tongliao City, the financial department of Tongliao City has formulated the financial industry development planning of Tongliao City, and the reform of rural credit cooperatives is one of its contents.Based on this background, this paper studies the reform of rural credit cooperatives in Tongliao city, in order to provide theoretical reference for the reform of rural credit cooperatives in Tongliao city.This paper mainly follows the traditional thinking of problem-analysis-problem-solving.First of all, it analyzes the reality of rural credit cooperatives.On the basis of this, the author studies the decision of the final property right model of the reform, and finally puts forward the relevant policies and measures with reference to the successful experience at home and abroad.This paper mainly adopts the research methods of normative analysis and empirical analysis, quantitative analysis and qualitative analysis, and draws the key conclusion that shareholding system is the best property right mode for the reform of rural credit cooperatives in Tongliao City.The first part of this paper, put forward the question.This paper summarizes the characteristics of the institutional changes of the rural credit cooperatives in Tongliao city, intends to follow the inheritance of the institutional changes in the reform in order to overcome the path dependence brought by the institutional changes, analyzes the problems existing in the rural credit cooperatives of Tongliao City from an empirical point of view.Problems such as unclear property rights, imperfect corporate governance, serious historical burden, chaotic management system, and so on.The reform of rural credit cooperatives in Tongliao City is bound to be restricted by the specific local social and economic environment, and by some stakeholders' hijacking and policy constraints.The second part analyzes the problems.On the basis of the previous qualitative research, according to the characteristics of local rural economy and rural finance, the quantitative research method of AHP model is adopted.It is concluded that the best way to reform the property right mode of rural credit cooperatives in Tongliao City is the joint-stock commercial bank model.The third part, solve the problem, on the basis of experience, put forward the policy measures.Rural cooperative finance has been successful in developed countries. In Europe, the United Kingdom, Germany, France, America, Japan, and so on, have quite successful experience in the practice of rural cooperative finance.This paper mainly analyzes the rural cooperative finance practice in three countries, Germany, the United States and Japan, and summarizes the experience from it. Through the comparative analysis of the local conditions in Tongliao region, the author draws some enlightenment to the reform of Tongliao City.Finally, the paper puts forward some suggestions from the aspects of property right reform, rural financial environment, legal person management and so on.
【学位授予单位】：内蒙古师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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