惠州农信社合并组建农商行的股份制改革研究

发布时间：2018-02-01 21:04

本文关键词： 农信社农商行股份制改革　出处：《武汉科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：经济发展的理论和实践证明，股份制是现代企业制度最重要的资本组织形式，是完善产权制度和公司治理的有效模式。推进股份制改革是农村合作金融机构走向现代金融企业的现实路径，成立股份制的农村商业银行股份有限公司则是条件相对成熟、商业化经营程度较高地区农村信用合作机构的理性选择。随着我国各金融市场的全面开放，农村金融市场的竞争也将越来越激烈，在激烈的竞争中，农商行表现出诸多问题。究其原因，主要还是原来农村信用社遗留下来的体制上的问题造成，农商行的现有改革还不够彻底，仍需继续深化股份制改革。从经济市场化和建立现代企业制度的要求来看，股份制也是农村商业银行改革的最佳选择。本文运用产权制度理论和公司治理理论，从惠州经济发展、农信社基本情况、组建依据等方面对组建惠州农商行的环境及可行性进行了深入的分析，阐述了惠州农商行组建后的作用及目标定位，，在对农商行存在的共性问题及原因分析的基础上，详细分析了惠州农商行成立后可能遇到的问题及问题解决的途径——股份制改革，探讨了有效促进惠州农商行改革深化的途径，并对其上市方案的选择、股份制改革的预期效果做了进一步的分析。
[Abstract]:The theory and practice of economic development prove that stock system is the most important form of capital organization in modern enterprise system. It is an effective mode to perfect the property right system and corporate governance, and to promote the reform of shareholding system is the realistic path for rural cooperative financial institutions to move towards modern financial enterprises. The establishment of joint-stock rural commercial bank limited company is a rational choice of rural credit cooperative organization with relatively mature conditions and high degree of commercialization. With the overall opening of financial markets in China, the competition in rural financial markets will become more and more fierce. In the fierce competition, the agricultural and commercial banks show many problems. It is mainly caused by the institutional problems left over by the original rural credit cooperatives, and the existing reform of the agricultural and commercial banks is not thorough enough. From the point of view of economic marketization and the requirement of establishing modern enterprise system, shareholding system is also the best choice for the reform of rural commercial banks. Based on the theory of property right system and corporate governance, this paper makes an in-depth analysis on the environment and feasibility of establishing Huizhou agribusiness from the aspects of economic development, basic situation of rural credit cooperatives and basis of establishment. This paper expounds the function and target orientation of Huizhou agribusiness bank after its establishment, on the basis of analyzing the common problems and reasons of the agribusiness bank. This paper analyzes in detail the problems that may be encountered after the establishment of Huizhou agribusiness bank and the way to solve the problem-shareholding system reform, probes into the ways to effectively promote the deepening of the reform of Huizhou agribusiness bank, and the choice of its listing scheme. The expected effect of stock system reform is further analyzed.
【学位授予单位】：武汉科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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