邵阳市农村信用社改革问题研究

发布时间：2018-01-17 14:05

本文关键词：邵阳市农村信用社改革问题研究　出处：《湖南农业大学》2012年硕士论文　论文类型：学位论文

【摘要】：农村信用合作社作为面向农村,面向农户的特殊金融机构,在带动地方农村经济发展,推动农村金融进步,完善农村金融市场,丰富农村金融产品等方面发挥着重要作用。自2003年以后,国家开始针对农村信用合作社自身体制,历史遗留等问题进行改革以促进农村信用合作社更好服务三农,支持农村建设。邵阳市农村信用合作社积极配合国家政策,也实施了一系列的改革措施,这些措施是否达到了目的需要合理的评估,并为今后进一步改革提供参考依据。本文通过大量的文献阅读后,采用定性分析与定量分析,规范分析与实证分析相结合的方法。首先列举了国内外关于农村信用合作社改革的研究成果；然后分析了邵阳市金融服务需求与供给的特点,建立了金融服务供求失衡缺口模型,对失衡缺口进行了分类并分析了其形成原因,进而以供求理论为基础,对金融服务供求失衡缺口作了比较静态分析,阐述了不同情况下的均衡状态；以上述分析为基础设计了邵阳市农村信用合作社改革绩效评估框架,并通过收集的数据对其进行评估；最后根据评估结果总结了改革中的问题,并对邵阳市农村信用社未来的改革提出了政策建议。
[Abstract]:As a special financial institution facing rural areas and farmers, rural credit cooperatives promote the development of local rural economy, promote rural financial progress and improve the rural financial market. Rich rural financial products and other aspects play an important role. Since 2003, the country began to focus on the rural credit cooperatives own system. In order to promote rural credit cooperatives to better serve agriculture, rural areas and farmers, support rural construction. Shaoyang rural credit cooperatives actively cooperate with national policies, also implemented a series of reform measures. Whether these measures have achieved the purpose needs reasonable evaluation and provides the reference for further reform in the future. After reading a lot of literature, this paper adopts the methods of qualitative analysis and quantitative analysis, normative analysis and empirical analysis. Firstly, it lists the research results of rural credit cooperatives reform at home and abroad. Then it analyzes the characteristics of the demand and supply of financial services in Shaoyang, establishes the imbalance gap model of financial service supply and demand, classifies the imbalance gap and analyzes its formation reasons, and then based on the theory of supply and demand. This paper makes a comparative static analysis on the imbalance gap between the supply and demand of financial services, and expounds the equilibrium state under different circumstances. Based on the above analysis, the performance evaluation framework of rural credit cooperatives reform in Shaoyang city is designed and evaluated through the collected data. Finally, the problems in the reform are summarized according to the evaluation results, and some policy suggestions are put forward for the future reform of Shaoyang Rural Credit Cooperatives.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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