三种产权模式下农村信用社的绩效对比分析

发布时间：2018-01-24 12:49

本文关键词： 农村金融农村信用社产权模式改革　出处：《安徽农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：中国作为农业大国,“三农”问题历来是党中央、社会各界关注的焦点。中国经济领域自改革开放以来进行不断的改革,为了推动农村经济的发展、提高农民收入水平、调整农业结构,客观上要求农村金融领域的改革跟上步骤。农村信用社作为农村金融领域的正规金融机构,加快其改革进程是至关重要。我国农村信用社成立于20世纪中期,自成立以来经历不断的变迁和曲折的发展过程,从小到大,由弱变强,得到不断的成长。2003年国务院发布的《深化农村信用社改革试点方案》,标志着以产权制度和管理体制为核心的新一轮改革序幕正式拉开。改革至今已经形成三种产权模式并存的局面：合作制、股份合作制和股份制。而这一局面是由于农村信用社自身状况的差异以及各地区实际情况导致的,它是因地制宜的结果。随着市场经济的发展,三种产权模式孰优孰劣,哪种产权模式更加适应农村金融的发展,需要综合考虑选择合适的产权模式。本文在回顾分析国内外相关文献研究成果及农村信用社60年来改革历程的基础上,描述农村信用社三种产权模式的现状。通过构建支农绩效和商业可持续发展双重目标评价指标体系,运用横向和纵向对比分析方法,定量和定性相结合,搜集整理相关数据对三种产权模式的绩效进行实证分析,阐述各自取得的成果及存在的问题,得出尊重各地区因地制宜的产权模式选择基础上,股份制产权模式的农村商业银行将会是农村信用社改革的趋势和目标模式,并且提出在改制为农村商业银行过程中应注意的问题,最后提出中肯的对策建议。
[Abstract]:As a large agricultural country, the issue of "agriculture, countryside and farmers" has always been the focus of attention of the CPC Central Committee and all walks of life. China's economic field has been continuously reformed since the reform and opening to the outside world, in order to promote the development of rural economy. Raising the level of farmers' income, adjusting the agricultural structure, objectively requires the reform of the rural financial sector to keep up with the steps. Rural credit cooperatives as the formal financial institutions in the rural financial field. It is very important to speed up the reform process. Since its establishment in the middle of 20th century, rural credit cooperatives in China have experienced continuous changes and tortuous development process, from small to large, from weak to strong. In 2003, the State Council issued the "pilot Program for deepening the Reform of Rural Credit Cooperatives". Marked with the property right system and the management system as the core of a new round of reform formally opened. The reform has formed three types of property rights mode coexistence: cooperative system. This situation is caused by the difference of the rural credit cooperatives' own situation and the actual situation in various regions. It is the result of the measures taken according to the local conditions, and with the development of the market economy. Which one is better than the other, which is more suitable for the development of rural finance. It is necessary to choose the appropriate property right model. This paper reviews and analyzes the research results of relevant literature at home and abroad and the reform course of rural credit cooperatives in the past 60 years. This paper describes the present situation of three kinds of property right models of rural credit cooperatives. Through constructing the evaluation index system of supporting agriculture performance and commercial sustainable development, using horizontal and vertical comparative analysis method, quantitative and qualitative analysis are combined. Collect and collate the relevant data to the performance of the three property rights models for empirical analysis, explain their achievements and existing problems, draw respect for the local conditions of the property rights model selection on the basis of. The rural commercial banks with joint-stock property rights model will be the trend and target mode of rural credit cooperatives reform, and put forward the problems that should be paid attention to in the process of reforming the system into rural commercial banks, and finally put forward some pertinent countermeasures and suggestions.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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