安徽省农村信用社改革绩效评价

发布时间：2018-03-03 02:02

本文选题：农村信用社　切入点：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】：农村信用社作为农村金融机构的重要组成部分,一直充着当主力军的作用。我国的定位多年来一直是农业大国,因此我国一直将三农问题放在首位。因此,农业和农村金融是否能够健康发展对我国经济的发展也有着直接的影响。目前,在我国的市场经济中,金融占据非常重要的地位,同样,农村金融也是影响农村经济的发展的一个重要因素。1923年,首个农村信用社在北京成立,农村经济便逐渐走向发展的正轨。在这期间,农村信用社为了追求更高的利益以及向农民、农业和农村提供更好的金融服务展开了一系列的农村信用社改革。 2003年6月,《深化农村信用社改革试点方案》由国务院颁发,决定首先将贵州等8省市列为第一批试点单位,由此农村信用社进入了全新的改革阶段。该方案明确了此次改革目标并确定了总体要求。次年8月,国务院通过召开相关会议,在充分总结第一批试点改革单位经验的基础上,又决定增加一批新的试点单位,此次改革试点的范围比之前增加了21个。截止到2007年8月止,省级信用社合作社已经遍布全国。2004年12月28日安徽省农村信用合作社联合社正式建立,标志着农村信用社在安徽省的新一轮改革正式开始。随着2010年10月十二五规划正式发布后,我国的经济发展将进入一个新的历史阶段,也要求农村信用社进一步深化改革,加强服务“三农”的力度,积极地提高农村信用社整体的综合竞争力。通过近几年的改革,全国的农村信用社都有了不同程度的成果,当然安徽省农村信用社也获得了一定的成效。因此,本文将就安徽省农村信用社的改革绩效评价进行研究。本文可分为以下几个部分,第一部分,主要介绍农村信用社发展的背景,研究农村信用社改革的意义,并总结了本文的主要创新点以及存在的不足。第二部分,对相关理论的定义和主要原则进行介绍,总结了国内外学者对合作金融相关理论的研究成果。第三部分,首先对中国农村信用社的发展历程进行回顾,然后具体对安徽省农村信用社的发展历程进行研究,并分析本轮改革的目标和主要内容。第四部分,通过三个方面的绩效对安徽省农村信用社的改革进行实证分析。主要通过产权体制分析,法人治理结构分析以及管理体制分析对制度安排绩效方面进行研究。然后通过将数据运用到选定的Yaron业绩评估指标上对支农绩效方面进行实证研究,并总结改革中存在的问题。如资产质量不好,历史包袱仍然很沉重；经营管理基础薄弱,缺乏有效的管理体制等。最后再通过农村信用社的盈利性,流动性和安全性研究分析其经营绩效。第五部分,根据改革中出现的问题,提出相关的政策建议,以促进农村信用社进一步深化改革。
[Abstract]:Rural credit cooperatives, as an important part of rural financial institutions, have always served as the main force. China has been a large agricultural country for many years, so our country has always put the issue of agriculture, rural areas and farmers in the first place. Whether or not agriculture and rural finance can develop healthily also has a direct impact on the economic development of our country. At present, finance plays a very important role in the market economy of our country. Rural finance is also an important factor affecting the development of the rural economy. In 1923, when the first rural credit cooperative was established in Beijing, the rural economy gradually moved on the right track of development. In order to pursue higher interests and provide better financial services to farmers, agriculture and rural areas, rural credit cooperatives launched a series of rural credit cooperative reforms. In June 2003, the "pilot Program for deepening Rural Credit Cooperative Reform" was issued by the State Council. It was decided that Guizhou and other eight provinces and cities should be listed as the first batch of pilot units, thus rural credit cooperatives entered a new stage of reform. The plan defined the reform objectives and set the overall requirements. On August of the following year, the State Council approved the convening of relevant meetings. On the basis of a full summary of the experience of the first batch of pilot reform units, it was also decided to add a number of new pilot units, the scope of which was 21 more than before. As of August 2007, Provincial credit cooperatives have spread all over the country. In December 28th 2004, the Anhui Rural Credit Cooperative Union was formally established. It marks the beginning of a new round of reform of rural credit cooperatives in Anhui Province. With the official release of the 12th Five-Year Plan on October 2010, the economic development of our country will enter a new historical stage, and rural credit cooperatives will also be required to further deepen the reform. Through the reform in recent years, the rural credit cooperatives throughout the country have achieved varying degrees of results, by strengthening the efforts to serve the "three rural areas," and actively improving the overall competitiveness of the rural credit cooperatives. Of course, Anhui Rural Credit Cooperatives have also achieved certain results. Therefore, this paper will study the reform performance evaluation of Anhui Rural Credit Cooperatives. This paper can be divided into the following parts, the first part, This paper mainly introduces the background of the development of rural credit cooperatives, studies the significance of the reform of rural credit cooperatives, and summarizes the main innovations and shortcomings of this paper. The third part reviews the development of rural credit cooperatives in China, and then studies the development process of rural credit cooperatives in Anhui Province. And analyzes the goal and main content of this round of reform. Part 4th, through the performance of three aspects of the reform of rural credit cooperatives in Anhui Province empirical analysis, mainly through the analysis of property rights system, The analysis of corporate governance structure and management system analysis on the performance of institutional arrangements, and then through the use of data on the selected Yaron performance evaluation indicators to support agriculture performance empirical research. And summarizes the problems existing in the reform. For example, the quality of assets is poor, the historical burden is still very heavy; the foundation of operation and management is weak, and the effective management system is lacking. Finally, the profitability of rural credit cooperatives is adopted. The study of liquidity and security analyzes its business performance. Part 5th, according to the problems in the reform, puts forward the relevant policy recommendations to promote the rural credit cooperatives to further deepen the reform.
【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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