中国农村信用合作社管理体制改革研究

发布时间：2018-04-16 17:26

本文选题：农村信用合作社 + 产权　；参考：《西北农林科技大学》2012年博士论文

【摘要】：2003年以来，按照理性化、规范化和市场化的原则，农村信用合作社交给地方政府管理，以优化农村信用合作社运作的初始状态，改善农村信用合作社内外部环境。这一轮改革政策落实到位，初具成效。然而农村信用合作社管理体制改革方面目标不明确，产权结构复杂化、法人治理结构形式化、管理系统无序化、改革模式简单化等问题凸显，亟待完善。本文通过分析国外信用合作组织管理体制的典型经验以及中国农村信用合作社管理体制改革的历史，从横向与纵向两方面提炼当前农村信用合作社的双重改革目标，由此展开对双重改革目标实现方式的探讨：微观角度探讨股份制产权改革和法人治理结构完善；中观角度探讨管理系统优化；宏观角度探讨多元改革模式及地区差异评价。最后提出深化农村信用合作社管理体制改革的政策建议。各章主要内容如下：第一章导论。说明本文的研究背景、选题意义；提出本文的研究思路及基本的研究方法；概括国内外相关研究动态综述，提出论文的可能创新之处。第二章信用合作组织管理体制的国际经验及借鉴。通过对德国、美国、法国、日本等国家信用合作组织管理体制的考察，得出实践中应明确中央和地方政府对农村信用合作社管理与服务的角色定位，建立国家政策扶持和监管下的省域农村合作金融管理框架，着力促进农村信用合作社多样化发展等基本观点。第三章中国农村信用合作社管理体制改革历程。通过历史回顾，总结农村信用合作社管理体制改革的政府主导性。提出政府主导行为一方面来自政府汲取农村资金、防范金融风险的需要，另一方面来自农村信用合作社长期缺乏合作制经济主体的支持而生成政府主导行为需求。农村信用合作社因此面临政策目标和效益目标这双重改革目标。第四章中国农村信用合作社管理体制双重改革目标分析。探讨农村信用合作社管理体制的双重改革目标：信贷支农政策目标、可持续发展效益目标。运用VAR模型探讨信贷支农改革目标，发现支农贷款对农业经济发展的影响相对较弱，应加大信贷支农效率；理论分析可持续发展改革目标，提出应着力化解不良资产，进而把农村信用合作社建设成多形式股份制商业金融机构。第五章中国农村信用合作社股份制产权改革。结合农村信用合作社产权改革的争议，认为在制度安排上，合作制向股份合作制进化、股份合作制向股份制进化符合现代商业金融的发展路径。基于出资者行为的股份制产权改革均衡分析表明，合作制股权价值和股东出资收益的协同作用制约着农村信用合作社股份制产权改革的结果，产生农村合作金融机构市场分离均衡。第六章中国农村信用合作社法人治理结构完善。基于机构设置、权责结构和管理环境等影响因素，运用Probit模型分两阶段计量分析样本农村信用合作社法人治理结构。结果显示：社员民主管理、内部人控制和人力资源管理对农村信用合作社法人治理结构的影响较大，法人治理结构完善过程中需重点理顺社员、职工、高级管理人员之间的权责关系。第七章中国农村信用合作社管理系统优化。通过考察农村信用合作社管理体系中乡社式布局、县联社、省联社的现实，认为乡社式布局具有有效性和低效性、县联社使农村信用合作社决策核心上移、省联社管理权和职能定位不明确。而省政府管理县联社和省联社、县联社管理基层社的管理系统有序化程度最高，可供实践借鉴。最后提出需改变银监会对农村信用合作社有权无责的金融监管；应推动省联社行使行业自律职能。第八章中国农村信用合作社多元改革模式及地区差异评价。结合农村信用合作社改革模式方面的政策，认为农村信用合作社转制为农村合作银行或农村商业银行的“花钱买机制”预期设想往往会落空，县联社统一法人模式仍然可行。结合农村信用合作社股份制产权改革路径，，对陕西省样本农村信用合作社进行因子分析和聚类分析，得出结论：经济发展的不平衡性在很大程度上影响着农村信用合作社三种改革模式的布局。第九章深化农村信用合作社管理体制改革的政策建议。在总结前文的基础上，提出深化农村信用合作社管理体制改革的政策建议：优化农村金融生态、构建多元化农村金融市场、加大政策扶持力度、改善政府管理方式、推进合作金融法规建设。
[Abstract]:Since 2003, according to the rational, standardized and market-oriented principles, rural credit cooperatives to the management of local government, with the initial state optimization operation of rural credit cooperatives, improve the external environment of rural credit cooperatives. The implementation of the reform policy in place, begun to take effect. However, rural credit cooperatives reform management system goal is not clear the structure of property rights, complicated forms of corporate governance structure, management system disorder, reform model simplification problems highlight the need to be perfect.
In this paper, through the analysis of the foreign typical experience of credit cooperative organization management system and management system reform of rural credit cooperatives China history, from the horizontal and vertical two aspects to refine the dual objectives of the reform of rural credit cooperatives, the mode of implementation of the dual objectives of the reform: micro perspective of stock ownership reform and perfect corporate governance structure; study optimization of the management system of the medium view; to evaluate the difference between multiple reform mode and area macroscopic angle. Finally, deepen the reform of the management system of rural credit cooperatives policy suggestions.
The main contents of the chapters are as follows:
The first chapter is the introduction, which explains the background and significance of the research, puts forward the research ideas and basic research methods, summarizes the related research developments both at home and abroad, and puts forward the possible innovations of the paper.
The second chapter of international experience of credit cooperative organization management system and reference. According to the United States, Germany, France, Japan and other countries of the credit cooperation organization management system, clear the role that the central and local governments in the management and service of rural credit cooperatives should set a practice, the establishment of national policy support and under the supervision of the provincial rural. Cooperative financial management framework, basic ideas to promote the development of rural credit cooperatives diversification.
The third chapter Chinese rural credit cooperative management system reform process. Through the historical review, the government led summary of the reform of management system of rural credit cooperatives. The government acts on the one hand from the government to draw funds in rural areas, need to guard against financial risks, on the other hand from rural credit cooperatives lack of main economic cooperation system support and government leading generation the behavior of rural credit cooperatives facing demand. Therefore the policy goal and the benefit goal of this dual objectives of the reform.
The fourth chapter is the analysis of the management system of rural credit cooperatives Chinese dual objectives of the reform of the management system of rural credit cooperatives. The dual objectives of the reform: credit support policy, sustainable development benefits target. Using the VAR model on the goal of agriculture credit reform, found that the influence of agriculture loans to the development of agricultural economy is relatively weak, should increase the efficiency of credit support for agriculture; theoretical analysis the sustainable development objectives of the reform, we should strive to resolve non-performing assets, and the construction of rural credit cooperatives into the form of joint-stock commercial financial institutions.
The fifth chapter China rural credit cooperatives joint-stock property rights reform. Combined with the property right reform of rural credit cooperatives disputes, think in terms of institutional arrangement, cooperative joint-stock cooperative system to evolve, joint-stock cooperative system to stock evolution is consistent with the development path of modern commercial finance. Investment behavior of the joint-stock reform of property rights equilibrium analysis showed that based on the cooperation the role of cooperative equity value and shareholder income restricts the rural credit cooperatives joint-stock property rights reform results, from rural cooperative financial institutions separate market equilibrium.
The sixth chapter Chinese perfect corporate governance structure of rural credit cooperatives. Based on the organization structure and management responsibilities, factors affecting the environment, using Probit model is divided into two stages of econometric analysis sample of rural credit cooperatives in the corporate governance structure. The results showed that members of democratic management, internal control and management of human resources has great impact on the corporate governance structure of rural credit cooperatives the key to improve the corporate governance structure to rationalize the process between members, employees, senior management responsibilities.
The seventh chapter Chinese rural credit cooperative management system optimization. Through the study of rural credit cooperatives in the management system of township layout, County Association, the Provincial Association of the reality that the township agency layout is effective and low efficiency, so that the core County Association of rural credit cooperatives policy shift, the Provincial Association of management power and function location is not clear. The provincial government and the Provincial Association of county cooperative management, management system of county union grass-roots management agency ordered the highest level, to practice. Finally, the need to change the CBRC on the rural credit cooperatives have power but no responsibility for the financial supervision; should promote the provincial exercise self-discipline function.
The eighth chapter China evaluation difference of rural credit cooperatives reform mode and multi area. Combined with the model of rural credit cooperatives in terms of policy, that restructuring of rural credit cooperatives for rural cooperative banks and rural commercial banks "buy" expectations often come to nothing, the unified legal zcsu mode is still feasible. Combined with the rural credit cooperatives joint-stock property the path of reform, the rural credit cooperatives in Shaanxi province sample analysis, factor analysis and clustering conclusion: the imbalance of economic development of rural credit cooperatives reform mode of three kinds of layout to a great extent.
The ninth chapter reform of management system of rural credit cooperatives. The policy suggestions on the basis of the foregoing, proposed to deepen the reform of management system of rural credit cooperatives policy suggestions: optimization of rural financial ecology, building a diversified rural financial market, increase policy support efforts, improving government management, promote cooperative financial law construction.

【学位授予单位】：西北农林科技大学
【学位级别】：博士
【学位授予年份】：2012
【分类号】：F832.35

【参考文献】