衡阳县农村信用社盈利模式转变的研究

发布时间：2018-11-24 07:28

【摘要】：农村信用社是国内金融体系重要组成成分,在发展农村经济及金融的发展方面起到了无可替代的作用,不仅能有效解决三农问题,而且可以实现国内城乡协调发展。现今国家为适应社会经济的全面发展,正在深化体制改革,大力推进新农村的建设,而国内农村金融及经济发展资金主要来源于农村信用社,农村信用社的作用和地位日益突出,是新农村建设的重要保障。因此如何推进农村金融体制改革,促进农村信用社盈利模式的转变,解决农村经济发展的资金供给问题,积极推动国内新农村建设,是国内农村金融研究的热点,且具有重大意义。衡阳县农村信用社作为衡阳县农村经济及金融发展的主力军,近年来不断改进盈利模式,为衡阳县经济发展做出了重大贡献。本研究从衡阳县农村信用社发展实践出发,首先阐述盈利模式相关理论,对国内外农村金融的研究进行综述,之后分析衡阳县农村信用社盈利模式,从中找出存在的不足,对这些不足产生的原因进行剖析,结合国内外农村金融先进的发展模式及经验,提出衡阳县农村信用社盈利模式转化的对策,以期促进衡阳县农村金融及经济的发展。
[Abstract]:Rural credit cooperative is an important component of domestic financial system, which plays an irreplaceable role in the development of rural economy and finance. It can not only effectively solve the problems of agriculture, countryside and farmers, but also realize the coordinated development of domestic urban and rural areas. In order to adapt to the overall development of social economy, the country is deepening the system reform and vigorously promoting the construction of the new countryside, while the domestic rural finance and economic development funds mainly come from the rural credit cooperatives. The role and status of rural credit cooperatives is increasingly prominent, is an important guarantee for the construction of new rural areas. Therefore, how to promote the reform of the rural financial system, to promote the transformation of the profit mode of rural credit cooperatives, to solve the problem of capital supply for rural economic development, and to actively promote the construction of new rural areas in China are the hot spots of the domestic rural finance research. And it is of great significance. Hengyang County Rural Credit Cooperatives as the main force of Hengyang County rural economic and financial development, in recent years, constantly improve the profit model, Hengyang County has made great contributions to the economic development. This research starts from the development practice of Hengyang Rural Credit Cooperatives, first expounds the theory of profit model, summarizes the research of rural finance at home and abroad, then analyzes the profit model of Hengyang Rural Credit Cooperative, and finds out the shortcomings. This paper analyzes the causes of these deficiencies, combines the advanced development mode and experience of rural finance at home and abroad, and puts forward some countermeasures to transform the profit mode of Hengyang rural credit cooperatives in order to promote the development of rural finance and economy in Hengyang County.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35

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