新疆农村信用社发展模式研究

发布时间：2018-03-01 15:36

本文关键词： 农村信用社发展模式新疆　出处：《新疆大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国农村信用社是一种特殊的金融机构，也是一种特殊的制度安排，其发展路径是一种典型的“机构路径”，也是一种“功能路径”。从农村信用社的发展历程来看，农村信用社的发展模式是随着农村金融机构的调整而改变的；从适应性、效率性、政策性和改革成本方面考虑，我国农村信用社的改革又具有诱致性的功能路径依赖。本文先对我国及新疆农村信用社的发展历程进行了评述。新疆农村信用社的发展离不开我国农信社发展的大环境，其发展阶段也大致分为三个阶段：初建阶段、农行托管阶段和改革发展阶段。阶段划分的主要依据是农村信用社监管部门和机构的交替变更，将其归结为“机构路径”。然后，提出新疆农村信用社现存的问题并分析成因。新疆农村信用社现存的问题主要有：产权归属不清，管理体制不完善，贷款信用问题等。经过对新疆农信社客观因素的分析发现，新疆农信社不良资产的形成和信用风险的集中主要是：历史因素遗留的沉重的历史包袱问题、组织和内控制度不完善和人员职业素质较低等。接着，对现存的农村信用社的几种发展模式进行分析。以乌鲁木齐市联社、石河子农村合作银行、五家渠国民村镇银行等为例，通过对其股权结构和经营指标的动态对比分析，为新疆农信社的改革方向提供参考模式。最后，分析新疆农村金融体系构成现状，比较合作金融和商业金融，从功能的角度，用C-A-P方法具体分析新疆不同区域农村的经济环境、经济特点、金融客户需求和不同金融模式所提供的金融供给，，从而选择与之相适应的发展模式。本文学习并借鉴了国内外专家学者的研究理论和方法，在做了深入详细的实地调查后，运用比较法、博弈论、SWOT分析、C-A-P战略定位模型等，将新疆农村信用社发展与我国农村信用社的发展做相关比较，将联社形式、合作银行与商业银行作比较，将农村信用社的发展与新疆农业的发展相联系，一改以往以信用社的上级监管部门为主线的“上级决定模式”的“机构路径”为“需求和功能决定模式”的“功能路径”，以期农信社的发展能因地制宜、满足所属地的金融需求，真正达到服务“三农”的目的，为新疆农业经济发展提供金融支持。随着新农村建设的不断推进，以农村信用社为主力军的新疆农村金融将迎来前所未有的发展机遇。新疆农村信用社必将在改革中不断规范，焕发出无限的生机与活力，推动新疆农业、农村经济更快更好地发展。
[Abstract]:China's rural credit cooperatives are a special financial institution and a special institutional arrangement. The development path of rural credit cooperatives is a typical "institutional path" and a "functional path". The mode of development of rural credit cooperatives is changed with the adjustment of rural financial institutions, and the reform of rural credit cooperatives has the inductive functional path dependence from the aspects of adaptability, efficiency, policy and reform cost. This paper reviews the development of rural credit cooperatives in China and Xinjiang. The development of rural credit cooperatives in Xinjiang can not be separated from the general environment of the development of rural credit cooperatives in China. The main basis of the stage division is the alternation of the supervision department and the institution of the rural credit cooperative, which can be summed up as the "institutional path". Then, the paper puts forward the existing problems of Xinjiang rural credit cooperatives and analyzes the causes. The existing problems of Xinjiang rural credit cooperatives are: the ownership of property rights is unclear, the management system is not perfect, Through the analysis of the objective factors of Xinjiang Rural Credit Cooperatives, it is found that the formation of non-performing assets and the concentration of credit risks in Xinjiang Rural Credit Cooperatives are mainly: the heavy historical burden left over by historical factors. Organization and internal control system is imperfect and personnel professional quality is low. Then, several development models of the existing rural credit cooperatives are analyzed. Taking Urumqi City Union, Shihezi Rural Cooperative Bank, Wujiaqu National Village and Town Bank as examples, Through the dynamic comparative analysis of ownership structure and management index, this paper provides a reference model for the reform direction of Xinjiang Rural Credit Cooperative. Finally, the paper analyzes the present situation of rural financial system in Xinjiang, compares cooperative finance and commercial finance, analyzes the economic environment and economic characteristics of different regions of Xinjiang by C-A-P method from the perspective of function. The demand of financial customers and the financial supply provided by different financial models, so as to choose a suitable development model. This paper studies and draws lessons from the research theories and methods of experts and scholars at home and abroad, after making a thorough and detailed field investigation, using comparative method, game theory SWOT analysis and C-A-P strategic positioning model, etc. This paper compares the development of rural credit cooperatives in Xinjiang with the development of rural credit cooperatives in China, compares the forms of cooperatives, cooperative banks and commercial banks, and links the development of rural credit cooperatives with the development of agriculture in Xinjiang. A change from the "institutional path" of the "superior decision mode", which used to be the main line of the superior supervision department of the credit cooperative, to the "functional path" of the "demand and function determination mode", so that the development of the rural credit cooperative can be adapted to the local conditions. To meet the financial needs of the local, truly achieve the purpose of serving agriculture, rural areas and farmers, and provide financial support for the development of Xinjiang's agricultural economy. With the continuous development of the new rural construction, the rural finance of Xinjiang, with the rural credit cooperatives as the main force, will welcome an unprecedented opportunity for development. Promote Xinjiang agriculture, rural economy develops faster and better.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

【引证文献】