我国农村合作银行法人治理结构问题研究
发布时间：2018-10-31 17:57
【摘要】：农村金融市场的发展直接关系到“三农”问题的解决和我国农村经济的发展,我国农村金融市场历经多次改革,目前逐步形成了以合作性金融组织为主体,商业性与政策性金融组织相辅助,民间金融组织做补充的多层次分工协作的农村信用体系。农村合作银行以股份合作制原则为基础,既坚持了合作制的互助原则,又引入了股份制的竞争因素。农村合作银行的成立是我国农信社改革中的大胆创新。从2003年我国开始实施农村信用社试点改革到目前为止,农村合作银行的深化发展和范围扩大都取得了有效的成果,但是其法人治理结构仍然存在产权不明晰,股权结构不完善,股东、董事会、管理层和监事会责任分工不明确等问题,这些问题在一定程度上阻碍了农村合作银行的进一步发展,建立合理有效的法人治理结构对农村合作银行以及整个农村金融市场的发展都会起到有效的推动作用。 本文总共分为五个部分：第一章,研究完善农村合作银行法人治理结构的意义,回顾中外学术界对本问题的研究评价,界定了本文涉及到的主要概念,分析了农村合作银行的基本理论；第二章,对我国农村合作银行的发展路径进行回顾,明确了农村合作银行在我国金融体系中的市场定位；本文的第三章主要是对我国农村合作银行法人治理结构的现状进行了详细描述,并对其中存在的问题进行总结、分析；第四章,将农村合作银行与农村商业银行、国外合作银行进行比较分析,寻找可借鉴的因素；第五章,针对目前我国农村合作银行的发展现状以及存在的诸多问题,提出合理的政策建议,以推动农村合作银行更好更快的发展。
[Abstract]:The development of the rural financial market is directly related to the solution of the "three rural" problems and the development of the rural economy of our country. After many reforms, the rural financial market in our country has gradually formed a cooperative financial organization as the main body. Commercial and policy-oriented financial organizations complement the rural credit system of multi-level division of labor and cooperation. Based on the principle of stock cooperation, rural cooperative bank not only adheres to the mutual aid principle of cooperative system, but also introduces the competitive factor of joint-stock system. The establishment of the Rural Cooperative Bank is a bold innovation in the reform of rural credit cooperatives in China. Since the implementation of the rural credit cooperative pilot reform in China in 2003, the deepening development and expansion of the scope of the rural cooperative bank have achieved effective results, but the corporate governance structure of the rural cooperative bank still has unclear property rights and imperfect equity structure. Problems such as unclear division of responsibilities between shareholders, boards of directors, management and supervisory boards, to a certain extent, have hindered the further development of rural cooperative banks. The establishment of reasonable and effective corporate governance structure will promote the development of rural cooperative bank and the whole rural financial market. This paper is divided into five parts altogether: chapter one studies the significance of perfecting the corporate governance structure of rural cooperative bank, reviews the research and evaluation of this issue in Chinese and foreign academic circles, and defines the main concepts involved in this paper. The basic theory of rural cooperative bank is analyzed. The second chapter reviews the development path of rural cooperative bank in China and clarifies the market position of rural cooperative bank in the financial system of our country. The third chapter mainly describes the current situation of the corporate governance structure of rural cooperative bank in China, and summarizes and analyzes the existing problems. Chapter four compares the rural cooperative bank with the rural commercial bank and the foreign cooperative bank to find the factors that can be used for reference. In the fifth chapter, according to the current situation of rural cooperative bank in China and the existing problems, the author puts forward some reasonable policy suggestions to promote the rural cooperative bank to develop better and faster.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
[Abstract]:The development of the rural financial market is directly related to the solution of the "three rural" problems and the development of the rural economy of our country. After many reforms, the rural financial market in our country has gradually formed a cooperative financial organization as the main body. Commercial and policy-oriented financial organizations complement the rural credit system of multi-level division of labor and cooperation. Based on the principle of stock cooperation, rural cooperative bank not only adheres to the mutual aid principle of cooperative system, but also introduces the competitive factor of joint-stock system. The establishment of the Rural Cooperative Bank is a bold innovation in the reform of rural credit cooperatives in China. Since the implementation of the rural credit cooperative pilot reform in China in 2003, the deepening development and expansion of the scope of the rural cooperative bank have achieved effective results, but the corporate governance structure of the rural cooperative bank still has unclear property rights and imperfect equity structure. Problems such as unclear division of responsibilities between shareholders, boards of directors, management and supervisory boards, to a certain extent, have hindered the further development of rural cooperative banks. The establishment of reasonable and effective corporate governance structure will promote the development of rural cooperative bank and the whole rural financial market. This paper is divided into five parts altogether: chapter one studies the significance of perfecting the corporate governance structure of rural cooperative bank, reviews the research and evaluation of this issue in Chinese and foreign academic circles, and defines the main concepts involved in this paper. The basic theory of rural cooperative bank is analyzed. The second chapter reviews the development path of rural cooperative bank in China and clarifies the market position of rural cooperative bank in the financial system of our country. The third chapter mainly describes the current situation of the corporate governance structure of rural cooperative bank in China, and summarizes and analyzes the existing problems. Chapter four compares the rural cooperative bank with the rural commercial bank and the foreign cooperative bank to find the factors that can be used for reference. In the fifth chapter, according to the current situation of rural cooperative bank in China and the existing problems, the author puts forward some reasonable policy suggestions to promote the rural cooperative bank to develop better and faster.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35
【参考文献】
相关期刊论文 前10条
1 黄s，
本文编号：2303092
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2303092.html
