W区农村信用社股份制改革研究

发布时间：2018-05-05 06:14

本文选题：W区农村信用合作联社 + 股份制改革　；参考：《吉林大学》2017年硕士论文

【摘要】：农业是国民经济的根基,在我国全面建设小康社会的发展中处于基础地位。发展现代农业经济,解决农业、农村问题,离不开现代农村金融体系的支持。农村信用社以及其改革的产物农村信用合作银行和农村商业银行是我国农村金融体系的重要构成,研究好农村信用社的发展课题对解决好“三农”问题具有重要意义。2011年6月,山东省政府出台《关于进一步深化全省农村信用社改革的意见》,提出2011年要组建15家农村商业银行,争取到2015年末,全省的县级独立农村信用社法人机构要有80%左右的比例改制升级为农村商业银行,同时在条件成熟情况下,可以适时整合重点城市中心城区农村信用社(农村合作银行、农村商业银行)组建山东农村商业银行。W区农村信用合作联社近两年来受大环境经济下滑影响及历史不良贷款负债包袱过高等因素影响,其改制工作虽已进入到企业短期的发展规划中,但一直未正式确立实施。W区农村信用合作联社成立于2005年,在所属地级市农村信用合作联社系统中综合实力处于中游水平。作为一个起源于“三农”、服务于“三农”的金融机构,W区农村信用合作联社始终加大对区域内“三农”的支持力度,近年来涉农贷款一直保持较高占比,在W区整体农村金融市场份额可以达到30%左右。虽然在区域农村金融市场占有一定地位,但仍难以掩盖在经营发展中存在的问题,主要表现在:社员参与管理意识不强,委托代理关系不明;历史包袱沉重,不良贷款居高不下;缺乏合理的员工激励机制和信贷管理奖惩机制;人员结构、薪酬制度和晋升渠道均有不合理之处;支农动力存在潜在不足,利息收入依赖性强,中间业务和表外业务落后。在山东省自上而下改革目标的推动下,为了防范和化解同村信用社风险,适应农村金融市场多元化竞争格局,W区农村信用合作联社必须要进行改革。本文通过对目前我国农村信用社产权制度实行市场化改革几种典型模式的研究,确定W区农村信用合作联社本次改革的方向为股份有限公司方向,并提出五大改革目标,即:坚持服务“三农”的发展方向;保持县级法人地位稳定;坚持产权制度市场化,稳妥有序推进改革工作;坚持完善法人治理,健全完善法人治理结构,建立现代企业制度;坚持理顺管理体制,按照责权利相结合的原则,明确管理职责,落实管理责任。本文简要说明了W区农村信用合作联社股份制改革的四大步骤阶段,即:集中清收不良贷款和完成资产确权;完成无形资产摊销和不良资产打包处置;开展增资扩股和清产核资;完成增资扩股和巩固不良资产处置战果。对股份制方案进行了研究,重点分析了其股权设置方案、机构与人员设置方案和资产整合与剥离方案,并针对目前W区农村信用合作联社发展中存在的主要问题,提出五大方面的优化配套措施,即:建立完善公司治理机制;建立完善全面风险管理机制;建立完善激励和约束机制;建立完善人力资源优化配置机制;建立完善以服务“三农”为导向的产品和服务机制。
[Abstract]:Agriculture is the foundation of the national economy, which is in the basic position in the development of a well-off society in an all-round way. Developing modern agricultural economy, solving the problems of agriculture and rural areas can not be supported without the support of modern rural financial system. Rural credit cooperatives and the rural credit cooperative banks and rural commercial banks are the rural financial bodies of China. The important structure of the Department is to study the development of the rural credit cooperatives in order to solve the problem of "three rural" in June. In June.2011, the government of Shandong Province promulgated the opinion on further deepening the reform of rural credit cooperatives in the province, and proposed to set up 15 rural commercial banks in 2011 and strive for the county level independent rural credit in the end of 2015. At the same time, it can integrate the rural credit cooperatives (rural cooperative banks and rural commercial banks) in the central city of key cities, and set up the rural credit cooperative association of the.W District of Shandong rural commercial bank in the last two years, under the condition of the conditions mature, the rural credit cooperative Association in the.W District of the rural commercial bank has been affected by the environmental economy in the last two years. The impact of the debt burden on the historical NPL and the debt burden has been influenced by high factors, although its restructuring work has entered the short term development plan of the enterprise, but it has not formally established the implementation of the.W District Rural Credit Cooperative Association in 2005, and it is in the middle reaches level in the rural credit cooperative association system of the prefecture level city. "Three rural", the "three rural" financial institutions, the W District Rural Credit Cooperative Association has always increased the support to the "three rural" in the region. In recent years, the agricultural loans have kept a high proportion, and the overall rural financial market share in the W area can reach about 30%. Although it is in a certain position in the rural financial market, it is still difficult to be found. The main problems that exist in the management and development are as follows: the poor management consciousness of the members, the unidentified principal-agent relationship, the heavy historical burden, the high non-performing loans, the lack of reasonable employee incentive mechanism and the credit management reward and punishment mechanism, the personnel structure, the salary system and the promotion channel, and the existence of the motivation of the support agriculture. In order to prevent and resolve the risk of the same village credit cooperatives and adapt to the diversified competition pattern in the rural financial market, the rural credit cooperative association of W district must carry out the reform in order to prevent and solve the risk of the same village credit cooperatives. This article through the current rural credit in our country, in order to prevent and resolve the risk of the same village credit cooperatives and adapt to the diversified competition pattern of the rural financial market in Shandong province. The research on several typical modes of market-oriented reform in the system of social property rights has been carried out to determine that the direction of the reform of the rural credit cooperative association in the W district is the direction of the Limited by Share Ltd, and puts forward five major reform objectives, namely, to adhere to the development direction of the "three rural" service, to maintain the stability of the status of the legal person at the county level, to adhere to the marketization of the property right system, and to promote the reform and orderly reform of the property rights system. The four major steps in the reform of the rural credit cooperative share system in the W district are briefly explained in this paper, namely, the centralized collection of bad loans. We have completed the amortization of the assets, completed the amortization of the intangible assets and the packing and disposal of the non-performing assets; carried out the expansion of the shares and the clearance of the assets; completed the expansion and expansion of the stock and the disposal of the bad assets. Based on the main problems existing in the development of the rural credit cooperative association in W District, this paper puts forward five main measures to optimize the supporting measures, namely: establishing and perfecting the mechanism of corporate governance, establishing and perfecting the comprehensive risk management mechanism, establishing and perfecting the mechanism of incentive and restraint, establishing and perfecting the mechanism of optimizing the allocation of human resources, and establishing and perfecting the service "three rural" as the guidance. The product and service mechanism.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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