长白山农商行改制研究

发布时间：2018-01-28 07:00

本文关键词： 农村信用社产权制度股份制改造　出处：《吉林大学》2012年硕士论文　论文类型：学位论文

【摘要】：农村信用社一直以来是我国农村金融的重要组成部分，是支持“三农”服务的主力军。农村信用社的良性发展，将大大提高农村金融服务效率，促进我国社会主义新农村建设事业稳步前进，关系到我国社会、政治和国民经济总体战略，而现有农村金融制度无法满足农村经济发展对金融的多元化需求。近年来，作为支农主力军的农村信用社发挥的作用并不明显，农村信用社的合作金融的特征和功能基本丧失，不良货款比重增大，产生了许多监管评级[1]在5B级以下的高风险农村信用社[2]。对农村信用社的产权制度改革迫在眉睫，已经是我国农村金融体制改革的重中之重。农村信用社改革与整个经济发展全局和全国农村金融制度改革成败紧紧相连，具有不可忽视的战略意义。农村合作金融从二十世纪五十年代初运行至今，内在矛盾逐渐凸显，，产权归属不清、内部治理结构混乱，以此为核心的农村信用社产权制度改革正在慢慢探索进行中，因此对农信社产权制度改制的研究和探索也是本论文研究的目的或出发点。 2010年，银监会下发了《关于高风险农村信用社并购重组的指导意见》（银监发〔2010〕71号）和《关于加快推进农村合作金融机构股权改造的指导意见》（银监发〔2010〕92号），提出了“加快推进农村信用社股份制改造”，可以“对高风险机构可进行并购重组”。本文以货币金融理论、合作经济理论、产权制度为指导，以长白山保护开发区农村商业银行体制改革为案例，系统分析了通过并购重组达到股份制改造，化解高风险农村信用社风险的新途径，为并购重组工作提供了理论依据和现实操作，指明了方向。
[Abstract]:Rural credit cooperatives have always been an important part of rural finance in China, and are the main force to support the "three rural" services. The benign development of rural credit cooperatives will greatly improve the efficiency of rural financial services. To promote the construction of new socialist countryside in our country is related to the overall strategy of our society, politics and national economy. However, the existing rural financial system can not meet the diversified needs of rural economic development. In recent years, as the main force of supporting agriculture, the role of rural credit cooperatives is not obvious. The characteristics and functions of cooperative finance of rural credit cooperatives are basically lost, and the proportion of bad loans increases, which results in many regulatory ratings. [1] High risk rural credit cooperatives below 5B. [2. It is urgent to reform the property right system of rural credit cooperatives, which is the most important part of the reform of rural financial system in our country. The reform of rural credit cooperatives is closely linked with the overall economic development and the success or failure of the reform of the national rural financial system, which is of strategic significance. Rural cooperative finance has operated since the beginning of 1950s. The inherent contradiction gradually highlights, the ownership of property rights is unclear, the internal governance structure is chaotic, so the reform of the property right system of rural credit cooperatives is slowly being explored. Therefore, the research and exploration of the reform of the property right system of rural credit cooperatives is the purpose or starting point of this paper. 2010. The CBRC issued the "guidance opinions on mergers and acquisitions of high-risk rural credit cooperatives" (No. 71) and the "guiding opinions on speeding up the Reform of Equity in Rural Cooperative Financial institutions" (. No. 92). This paper puts forward that "speeding up the reform of the joint-stock system of rural credit cooperatives" can "carry out mergers and acquisitions of high-risk institutions". This paper is guided by the theory of money and finance, the theory of cooperative economy and the system of property rights. Taking the system reform of rural commercial banks in Changbai Mountain Protection Development Zone as an example, this paper systematically analyzes the new ways to solve the risks of high risk rural credit cooperatives through mergers and acquisitions to achieve joint-stock transformation. It provides theoretical basis and practical operation for M & A and reorganization work, and points out the direction.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

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