合作社管理主体研究
发布时间：2019-06-08 13:45
【摘要】：本文以“农村信用社管理主体”为研究对象,通过对农村信用社管理主体设置和调整历史的纵向考察,探求我国农村信用社的特殊性质,并厘清国家(中央政府)、管理主体与农村信用社三者之间的特殊关系,从而揭示管理主体虽反复调整但始终未能促进农村信用社良性发展的症结所在。在此基础上,本文对现行“省联社”管理模式的形成原因和可能的弊害进行了较为深入的分析,指出“省联社”作为管理主体仅仅是在既有约束条件下,各方博弈基础上的过度性安排,随着农村信用社商业化改造的推进,农村信用社管理主体必须进行进一步改造。具体而言,本文的主要内容可以分为以下五个部分： 第一部分是导论。本部分主要是介绍本文研究的目的意义等内容,重点在于提出本文的主要研究问题。 第二部分是信用合作社管理主体的历史流变的考察,通过对我国农村信用社管理主体调整历程的回顾,揭示出新中国农村信用社从成立之初即徒具合作社之形骸而缺乏合作社之实质,中央政府才是农村信用社的真正投资者和风险责任人。由于内部治理机制的缺失,中央政府必须委托某个主体对农村信用社进行外部管理,以防止信用社遭受来自各方的侵害。又由于中央政府委托的管理主体并不承担信用社亏损风险,因此中央政府与管理主体之间会产生代理成本问题,管理主体有动机牺牲信用社利益以追逐自利目标。信用社管理主体的反复调整,可以理解为中央政府希望通过管理权的恰当配置以克服代理问题的尝试。 本文第三部分通过对现行省联社作为管理主体的成因和弊害的分析,进而展望“省联社”未来的改造路径。本部分研究认为,2003年试点,2004年全国推行的改革将农村信用社的行业管理权和风险责任捆绑下放给省级人民政府,而中央政府不再承担信用社金融风险责任,是我国农村信用社发展历程中带有标志意义的变革。在既有约束条件下,此种改革深具合理性,但也带来诸多弊害,仅仅是一种过渡性安排。 本文第四部分认为在农村信用社完成商业化、自主化和市场化改造后,省联社代表省级人民政府充当行业管理主体的历史终将结束,因此需要思考如何改造省映社与各农村信用社之间的关系,在多种建议方案中,宁夏回族自治区省联社和重庆省联社也进行了初步试点,这些方案和试点经验有助于对其他省分未来省联社的改革提供借鉴。 本文第五部分对全文的研究内容进行总结并回应第一章提出的主要研究问题。
[Abstract]:This paper takes "the management subject of rural credit cooperatives" as the research object, through the longitudinal investigation of the establishment and adjustment history of the management subjects of rural credit cooperatives, to explore the special nature of rural credit cooperatives in China, and to clarify the state (central government). The special relationship between the management subject and the rural credit cooperative reveals the crux of the problem that the management subject has failed to promote the benign development of the rural credit cooperative although it has been adjusted repeatedly. On this basis, this paper makes a more in-depth analysis of the causes and possible disadvantages of the current management mode of "Provincial Union", and points out that "Provincial Union", as the main body of management, is only under the existing constraints. With the promotion of the commercial transformation of rural credit cooperatives, the management main body of rural credit cooperatives must be further reformed. Specifically, the main content of this paper can be divided into the following five parts: the first part is the introduction. This part mainly introduces the purpose and significance of this study, focusing on the main research issues of this paper. The second part is the investigation of the historical evolution of the management subject of credit cooperatives, through the review of the adjustment process of the management subjects of rural credit cooperatives in China. It reveals that the rural credit cooperatives in New China have the form of cooperatives and lack the essence of cooperatives from the beginning of their establishment, and the central government is the real investor and risk responsible person of rural credit cooperatives. Due to the lack of internal governance mechanism, the central government must entrust a subject to carry out external management of rural credit cooperatives in order to prevent credit cooperatives from being infringed by all parties. And because the management subject entrusted by the central government does not bear the risk of loss of credit cooperatives, there will be agency cost between the central government and the management subject, and the management subject has the motivation to sacrifice the interests of credit cooperatives in order to pursue the goal of self-interest. The repeated adjustment of the management subject of credit cooperatives can be understood as an attempt by the central government to overcome the agency problem through the proper allocation of management power. The third part of this paper analyzes the causes and disadvantages of the current provincial association as the main body of management, and then looks forward to the future transformation path of the provincial association. This part of the study holds that in 2003, the reform carried out by the whole country in 2004 decentralized the industry management power and risk responsibility of rural credit cooperatives to the provincial people's governments, while the central government no longer assumed the financial risk responsibility of credit cooperatives. It is a marked change in the development of rural credit cooperatives in China. Under the existing constraints, this kind of reform is deeply reasonable, but it also brings many disadvantages, which is only a transitional arrangement. The fourth part of this paper holds that after the commercialization, autonomy and marketization of rural credit cooperatives, the history of provincial cooperatives acting as the main body of industry management on behalf of the provincial people's governments will eventually come to an end. Therefore, it is necessary to think about how to transform the relationship between the provincial reflection cooperatives and the rural credit cooperatives. Among the various proposed schemes, the Ningxia Hui Autonomous region Provincial Association and the Chongqing Provincial Union have also carried out preliminary pilot projects. These programs and pilot experience will help to provide reference for the reform of other provinces in the future. The fifth part of this paper summarizes the research content of the full text and responds to the main research issues put forward in the first chapter.
【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
本文编号：2495328
[Abstract]:This paper takes "the management subject of rural credit cooperatives" as the research object, through the longitudinal investigation of the establishment and adjustment history of the management subjects of rural credit cooperatives, to explore the special nature of rural credit cooperatives in China, and to clarify the state (central government). The special relationship between the management subject and the rural credit cooperative reveals the crux of the problem that the management subject has failed to promote the benign development of the rural credit cooperative although it has been adjusted repeatedly. On this basis, this paper makes a more in-depth analysis of the causes and possible disadvantages of the current management mode of "Provincial Union", and points out that "Provincial Union", as the main body of management, is only under the existing constraints. With the promotion of the commercial transformation of rural credit cooperatives, the management main body of rural credit cooperatives must be further reformed. Specifically, the main content of this paper can be divided into the following five parts: the first part is the introduction. This part mainly introduces the purpose and significance of this study, focusing on the main research issues of this paper. The second part is the investigation of the historical evolution of the management subject of credit cooperatives, through the review of the adjustment process of the management subjects of rural credit cooperatives in China. It reveals that the rural credit cooperatives in New China have the form of cooperatives and lack the essence of cooperatives from the beginning of their establishment, and the central government is the real investor and risk responsible person of rural credit cooperatives. Due to the lack of internal governance mechanism, the central government must entrust a subject to carry out external management of rural credit cooperatives in order to prevent credit cooperatives from being infringed by all parties. And because the management subject entrusted by the central government does not bear the risk of loss of credit cooperatives, there will be agency cost between the central government and the management subject, and the management subject has the motivation to sacrifice the interests of credit cooperatives in order to pursue the goal of self-interest. The repeated adjustment of the management subject of credit cooperatives can be understood as an attempt by the central government to overcome the agency problem through the proper allocation of management power. The third part of this paper analyzes the causes and disadvantages of the current provincial association as the main body of management, and then looks forward to the future transformation path of the provincial association. This part of the study holds that in 2003, the reform carried out by the whole country in 2004 decentralized the industry management power and risk responsibility of rural credit cooperatives to the provincial people's governments, while the central government no longer assumed the financial risk responsibility of credit cooperatives. It is a marked change in the development of rural credit cooperatives in China. Under the existing constraints, this kind of reform is deeply reasonable, but it also brings many disadvantages, which is only a transitional arrangement. The fourth part of this paper holds that after the commercialization, autonomy and marketization of rural credit cooperatives, the history of provincial cooperatives acting as the main body of industry management on behalf of the provincial people's governments will eventually come to an end. Therefore, it is necessary to think about how to transform the relationship between the provincial reflection cooperatives and the rural credit cooperatives. Among the various proposed schemes, the Ningxia Hui Autonomous region Provincial Association and the Chongqing Provincial Union have also carried out preliminary pilot projects. These programs and pilot experience will help to provide reference for the reform of other provinces in the future. The fifth part of this paper summarizes the research content of the full text and responds to the main research issues put forward in the first chapter.
【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
【参考文献】
相关期刊论文 前1条
1 穆争社;;农村信用社管理体制改革:成效、问题及方向[J];中央财经大学学报;2011年04期
，本文编号：2495328
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