文档介绍：上海交通大学
硕士学位论文
农村信用社产权制度改革研究——三种不同产权模式的比较
姓名:陶赟
申请学位级别:硕士
专业:农业经济管理
指导教师:周小伟
20060101
农村信用社产权制度改革研究
三种不同产权模式的比较
摘要
农村信用社是由社员自主入股实行社员民主管理主要为社员
服务的农村合作金融组织深化农村信用社改革是当前经济改革中的一
项重要工作事关我国农村金融体系建设和“三农”问题的解决纵观我
国农村信用社五十多年的发展历史和改革实践可以清楚地看到农村
信用社体制的形成属于政府主导型无论是在以前由地方政府或农业银
行管理还是现在由银监会来管理农信社始终处于比较被动的地位
因此在肯定农村信用社改革成就的同时我们也应充分认识当前改革
中存在的问题以寻求今后改革的着力点而这其中产权问题又是重
中之重
根据国务院出台的深化农村信用社改革试点方案的通知精神
农村信用社将按照因地制宜分类指导原则分类实施股份制股份合
作制合作制的产权制度建立与各地经济发展管理水平相适应的组
织形式和运行机制这三种产权制度各自都有自身的优点和不足根据
文件精神本文试图通过对农村信用社合作制股份制股份合作制三
种产权制度模式进行比较分析寻找出既适合农村信用社发展又有利
于支持农村经济发展的相对较佳的产权制度模式
关键词农村信用社合作金融产权制度改革改革模式
STUDY ON PROPERTY RIGHTS SYSTEM
REFORM OF RURAL CREDIT COOPERATIVES
----- PARISON OF THE THREE TYPICAL PATTERNS
ABSTRACT
Rural Credit Cooperative of China is a main kind of financial sector
providing service to the development of rural economy. As a kind of
financial medium supporting the development of rural economy, it plays an
important role in the sound development of rural economy, However, given
strong support to the development of rural economy, with influences of
system; history and those from itself, Rural Credit Cooperative of China has
massive problems which cut down the efficiency of supporting the
development of rural economy. Therefore, it is urgent to tackle such a puzzle
and look for the feasible project of reform of Rural Credit Cooperative of
China which makes itself healthy development and makes peasants
countryside and agriculture quicker development. In the reform of RCCs, the
reform of property rights’ system is the key point.
Restricted by the internal factors, such as a low quality of credit assets
and confusion of management and administration ect., and the external
factors, such as indistinct policy location and a low level of total social credit,
there are serious problems in centralized share structure of RCC. The
problems blocked the further development of RCC. Therefore, the present
structure of property righ