论欠发达地区农村信用社的产权改革

发布时间：2018-11-29 07:20

【摘要】：农信社经过60多年的发展,农村信用社已经成为我国农村金融体系的重要组成部分,为农村经济和国民经济的发展做出了巨大贡献。然而,农村信用社在支持我国农业和农村经济快速发展的同时,自身也积累和面临着许多急待解决的问题。 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。增资扩股、减免税收、央行票据和再贷款等一系列资金支持方案给农村信用社改革创造了前所未有的发展机遇。按照“明晰产权关系、强化约束机制、增强服务功能、国家适当支持、地方政府负责”的总体要求,发达地区的农村信用社已率先开始改造为农村商业银行、农村合作银行等发展模式。欠发达地区农村信用社如何利用国家的扶持政策真正做到“花钱买机制”,到底是效仿发达地区的现有模式还是另僻佳径,目前决策层对此尚无定论。由于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”。资本金不足、产权不清晰、历史包袱沉重、管理体制不顺、经营状况较差、外部环境恶劣等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,这不仅具有深刻的理论意义,而且具有很强的现实意义”。27 全文共分为三个部分：第一部分介绍农村信用社改革方向；第二部分重点介绍全国农村信用社产权改革的背景,其中着重介绍四川农信社在改革中的做法、存在的问题,以及推广价值；第三部分以欠发达地区农信社为例,剖析产权改革的方向。
[Abstract]:After more than 60 years' development, rural credit cooperatives have become an important part of our country's rural financial system and have made great contributions to the development of rural economy and national economy. However, while supporting the rapid development of agriculture and rural economy, rural credit cooperatives also accumulate and face many urgent problems. In 2004, the opinions of the General Office of the State Council on further deepening the reform of rural credit cooperatives were published, and a new round of reform of rural credit cooperatives was launched nationwide. Capital expansion, tax relief, central bank bills and reloans have created unprecedented opportunities for the reform of rural credit cooperatives. In accordance with the overall requirements of "clarifying property rights relations, strengthening restraint mechanisms, enhancing service functions, properly supporting the state, and taking responsibility from local governments", rural credit cooperatives in developed regions have taken the lead in transforming them into rural commercial banks. Rural cooperative bank and other development models. How to make use of the support policy of the state to "spend money and buy mechanism" by rural credit cooperatives in underdeveloped areas is still uncertain at present, whether to emulate the existing model of developed regions or to follow the other path of eccentricity. Because of the imbalance of the economic development in our country, compared with the developed regions, the broad masses of farmers in the underdeveloped areas need the financial services of the rural credit cooperatives more than others, and the local governments also need the rural credit cooperatives to support the "three rural areas". Many problems, such as insufficient capital, unclear property right, heavy historical burden, bad management system, poor management condition and bad external environment, are seriously restricting the survival and development of local rural credit cooperatives. How to explore a suitable way of development according to the local special natural, social and economic conditions is not only of profound theoretical significance, The paper is divided into three parts: the first part introduces the reform direction of rural credit cooperatives; The second part focuses on the background of the reform of the property rights of rural credit cooperatives in China, which focuses on the Sichuan Rural Credit Cooperatives in the reform of the practice, existing problems, as well as the value of promotion; The third part takes the rural credit cooperatives in underdeveloped areas as an example to analyze the direction of property right reform.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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