德、法、美、日合作金融组织制度比较及借鉴

发布时间：2018-03-17 00:27

本文选题：合作金融　切入点：组织制度　出处：《国际金融研究》2010年04期 　论文类型：期刊论文

【摘要】：从德国的第一家农村信用社成立至今,合作金融经历了160多年的发展,广泛存在于世界各国,形式各异,为各国的经济发展发挥着巨大作用。本文分析德国的"金字塔单元制"、法国的"两截鞭"型政府与民间结合制、美国的"上虚下实"型多元复合式和日本的协同组合制的合作金触组织制度模式的发展情况,并通过比较各自在组织形式、组织结构、资本来源、法人治理、民主管理制度的特点及在金融体系中的作用,总结出各自合作金融制度的优势并借鉴其成功的经验,对推进我国农村金融体制改革及合作金融改革,具有重要的现实意义,使其更好地支持和服务于"三农"。最后针对我国农村合作金融制度进行完善,对农村信用合作社、民间金融组织提出了改革路径。从全方位系统解决农村金融长期持续性发展问题,从根本上提升农村合作金融整体实力,最终实现商业性金融组织与合作金融组织共同发展、相互竞争的农村金融体系。
[Abstract]:Since the establishment of the first rural credit cooperative in Germany, cooperative finance has been developing for more than 160 years, and it exists widely in various countries around the world in various forms. This paper analyzes the "pyramidal unit system" in Germany and the "two-section whip" type of government and folk system in France. The development of the cooperative gold contact organization system model of the United States of America and Japan's cooperative combination system, and by comparing their respective organizational forms, organizational structure, sources of capital, corporate governance, The characteristics of the democratic management system and its role in the financial system, sum up the advantages of their respective cooperative financial system and draw lessons from their successful experience, which is of great practical significance to promote the reform of the rural financial system and the cooperative financial reform in China. Finally, aiming at perfecting the rural cooperative financial system of our country, the rural credit cooperatives can be better supported and served. Private financial organizations put forward the reform path to solve the long-term sustainable development of rural finance from the all-round system, fundamentally improve the overall strength of rural cooperative finance, and finally realize the joint development of commercial financial organizations and cooperative financial organizations. A competitive rural financial system.
【作者单位】：河北大学;河北大学经济学院;
【分类号】：F832.3;F831

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