山东省农村信用社改革模式探讨

发布时间：2018-04-11 03:15

本文选题：农村信用社 + 改革模式　；参考：《山东大学》2015年硕士论文

【摘要】：本文首先简要回顾了山东省农村信用社改革与发展的历史,对其在改革发展过程中存在的问题进行分析,得出山东省农村信用社普遍存在负责结构单一产权关系不明等问题。在其他金融主体淡出农村金融舞台,缩小农村金融支持范围的环境下,农村信用社改革就显得越来越迫切。山东省是农业大省,农村人口众多,农业经济占有极其重要的地位,农村信用社改革就更需要得到足够的重视。随后,对改革试点过程中可采取的三种模式进行利弊分析,得出相对适合山东农信社改革的模式。在此基础上分析山东省农村信用社当前的股改现状、存在问题及原因,进而提出建立山东省农村商业银行的整体构想。最后,对深化山东省农信社改革提出若干政策建议,供其参考。本文主要包含六大部分,第一部分是导言,主要包括研究背景与意义,研究思路,研究方法,文章框架及创新点和不足之处。第二部分是相关文献综述,主要概述国内外关于合作金融的一些探讨。第三部分是山东省农村信用社的改革历史回顾及其改革动因,从山东省农村信用社的起步发展,受挫萎缩,全面恢复,规范发展四个阶段进行回顾,同时指出在发展阶段存在着诸如历史包袱沉重,服务范围狭窄,缺乏有效的政策支持,产权关系混乱,负债结构单一五个方面的问题。第四部分是山东省农村信用社改革可选模式分析,结合其他省份改革模式,提出合作制,股份合作制,股份制三种改革模式,并分析其优劣势。第五部分是山东省农村信用社深化改革发展的未来设想与政策建议,在第四部分的基础上,结合山东省农信社股份制改革现状,指出存在诸如股权改造流于形式及未改革法人单位改革过程中阻力重重等问题及原因,提出建立统一法人的山东省农商行模式,并从强化自身建设和优化外部环境两个方面提出具体措施。第六部分是结论,从山东省农村信用社改革的必要性,山东省农信社改革模式的选择要因地制宜及农商行模式的进一步创新和支持鼓励发展三个方面进行总结。
[Abstract]:This paper first briefly reviews the history of the reform and development of rural credit cooperatives in Shandong Province, analyzes the problems in the process of reform and development, and draws the conclusion that the single property right relationship of the responsible structure is generally unknown in Shandong rural credit cooperatives.The reform of rural credit cooperatives is becoming more and more urgent under the circumstances that other financial entities fade out of the rural financial stage and narrow the scope of rural financial support.Shandong Province is a large agricultural province with a large rural population and an extremely important position in agricultural economy. The reform of rural credit cooperatives needs more attention.Then, the author analyzes the advantages and disadvantages of the three models that can be adopted in the process of pilot reform, and draws a model that is relatively suitable for the reform of Shandong Rural Credit Cooperative.On this basis, this paper analyzes the current situation, existing problems and reasons of the reform of rural credit cooperatives in Shandong Province, and then puts forward the overall idea of establishing rural commercial banks in Shandong Province.Finally, some policy suggestions on deepening the reform of Shandong Rural Credit Cooperative are put forward for its reference.The first part is the introduction, including the background and significance of the research, research ideas, research methods, the framework of the article and innovations and shortcomings.The second part is the related literature review, mainly summarizes the domestic and foreign cooperation finance some discussion.The third part is the review of the reform history of Shandong rural credit cooperatives and its reform motivation, from the start of the development of Shandong rural credit cooperatives, setbacks, comprehensive recovery, standardized development of the four stages to review.At the same time, it points out that there are five problems in the development stage, such as heavy historical burden, narrow service scope, lack of effective policy support, confusion of property right relationship and single debt structure.The fourth part is the analysis of the optional mode of rural credit cooperative reform in Shandong Province, combining with other provinces' reform mode, it puts forward three reform modes: cooperative system, joint-stock cooperative system and joint-stock system, and analyzes its advantages and disadvantages.The fifth part is the future assumption and policy suggestions of deepening the reform and development of rural credit cooperatives in Shandong Province. On the basis of the fourth part, the paper combines the status quo of the reform of the joint-stock system of rural credit cooperatives in Shandong Province.This paper points out that there are many problems and reasons such as the imperfections of stock rights reform and the obstacles in the reform of legal person units, and puts forward the establishment of Shandong agricultural and commercial bank model of unified legal person.And put forward concrete measures from two aspects of strengthening self-construction and optimizing external environment.The sixth part is the conclusion, from the Shandong Province rural credit cooperatives reform necessity, Shandong Province rural credit cooperatives reform mode choice should adapt to the local conditions and the agriculture commercial bank model further innovation and the support encourages the development three aspects to carry on the summary.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

【参考文献】