本文選題：通遼市　切入點(diǎn)：農(nóng)村信用社　出處：《內(nèi)蒙古師范大學(xué)》2013年碩士論文

【摘要】：近年來(lái),通遼市農(nóng)村經(jīng)濟(jì)有了較大的變化,農(nóng)業(yè)現(xiàn)代化對(duì)資金的需求與農(nóng)村金融不能有效提供金融供給之間的矛盾越來(lái)越大,而且農(nóng)村信用社長(zhǎng)期積累的問(wèn)題已經(jīng)使得其對(duì)現(xiàn)實(shí)的農(nóng)村金融環(huán)境的適應(yīng)性越來(lái)越差,其自身的可持續(xù)發(fā)展也面臨較大的問(wèn)題。適時(shí),通遼市政府金融部門根據(jù)通遼市“十二五”規(guī)劃要求,制定了通遼市的金融業(yè)發(fā)展規(guī)化,農(nóng)村信用社改制便是其內(nèi)容之一。而本文正是基于這樣的背景,研究通遼市農(nóng)村信用社的改制問(wèn)題,以期為通遼市的農(nóng)村信用社改制提供理論上的參考。 本文主要遵循提出問(wèn)題——分析問(wèn)題——解決問(wèn)題的傳統(tǒng)寫作思路。首先分析了農(nóng)村信用社的現(xiàn)實(shí)情況(存在的問(wèn)題、.阻礙因素)；據(jù)此研究改制的最終產(chǎn)權(quán)模式?jīng)Q定問(wèn)題；最后借鑒國(guó)內(nèi)外成功經(jīng)驗(yàn),提出有關(guān)政策措施。文章主要采用規(guī)范分析和實(shí)證分析,定量分析和定性分析相結(jié)合的研究方法,得出了股份制是通遼市農(nóng)村信用社改制的最佳產(chǎn)權(quán)模式的關(guān)鍵性結(jié)論。 本文第一部分,提出問(wèn)題�？偨Y(jié)了通遼市農(nóng)村信用社制度變遷的特點(diǎn),意在改革中遵循制度變遷的繼承性,以求克服制度變遷所帶來(lái)的路徑依賴；從實(shí)證角度分析了通遼市農(nóng)村信用社存在的問(wèn)題,諸如’產(chǎn)權(quán)不明晰,法人治理不完善,歷史包袱嚴(yán)重、管理體制混亂等問(wèn)題。改制必然涉及到利益格局的重新調(diào)整,難免會(huì)有阻力,通遼市農(nóng)村信用社改制,將要受到當(dāng)?shù)靥囟ㄉ鐣?huì)經(jīng)濟(jì)環(huán)境的制約、部分利益相關(guān)者的挾持和政策上的制約。第二部分,分析問(wèn)題。在前面的定性研究基礎(chǔ)上,根據(jù)當(dāng)?shù)剞r(nóng)村經(jīng)濟(jì)和農(nóng)村金融的特點(diǎn),采用層次分析模型的定量研究方法,得出通遼市農(nóng)村信用社改制的產(chǎn)權(quán)模式的最佳路徑選擇是股份制的商業(yè)銀行模式。第三部分,解決問(wèn)題,在借鑒經(jīng)驗(yàn)的基礎(chǔ)上,提出政策措施。農(nóng)村合作金融在發(fā)達(dá)國(guó)家已有成功典型,歐洲的英國(guó)、德國(guó)、法國(guó),美洲的美國(guó),亞洲的日本,等等,在農(nóng)村合作金融的實(shí)踐上頗有成功經(jīng)驗(yàn)。本文主要分析德國(guó)、美國(guó)、日本三個(gè)國(guó)家的農(nóng)村合作金融實(shí)踐,并從中總結(jié)經(jīng)驗(yàn),通過(guò)與通遼地區(qū)當(dāng)?shù)厍闆r的比較分析,得出對(duì)通遼市改制有關(guān)的啟示,主要是：對(duì)合作制和股份制要有重新的認(rèn)識(shí)；要充分認(rèn)識(shí)到改制的阻力,需根據(jù)現(xiàn)實(shí)情況分步實(shí)施;產(chǎn)權(quán)改革是重中之重；實(shí)施破產(chǎn)約束和風(fēng)險(xiǎn)防范機(jī)制。文章最后從產(chǎn)權(quán)改革、農(nóng)村金融環(huán)境、法人治理等方面提出了改制的建議措施。
[Abstract]:In recent years, the rural economy of Tongliao City has undergone great changes. The contradiction between the demand for funds in agricultural modernization and the inability of rural finance to provide financial supplies effectively is becoming more and more serious.Moreover, the long-term accumulation of rural credit cooperatives has made their adaptability to the real rural financial environment worse and worse, and their own sustainable development is also facing greater problems.In due time, according to the "12th Five-Year Plan" of Tongliao City, the financial department of Tongliao City has formulated the financial industry development planning of Tongliao City, and the reform of rural credit cooperatives is one of its contents.Based on this background, this paper studies the reform of rural credit cooperatives in Tongliao city, in order to provide theoretical reference for the reform of rural credit cooperatives in Tongliao city.This paper mainly follows the traditional thinking of problem-analysis-problem-solving.First of all, it analyzes the reality of rural credit cooperatives.On the basis of this, the author studies the decision of the final property right model of the reform, and finally puts forward the relevant policies and measures with reference to the successful experience at home and abroad.This paper mainly adopts the research methods of normative analysis and empirical analysis, quantitative analysis and qualitative analysis, and draws the key conclusion that shareholding system is the best property right mode for the reform of rural credit cooperatives in Tongliao City.The first part of this paper, put forward the question.This paper summarizes the characteristics of the institutional changes of the rural credit cooperatives in Tongliao city, intends to follow the inheritance of the institutional changes in the reform in order to overcome the path dependence brought by the institutional changes, analyzes the problems existing in the rural credit cooperatives of Tongliao City from an empirical point of view.Problems such as unclear property rights, imperfect corporate governance, serious historical burden, chaotic management system, and so on.The reform of rural credit cooperatives in Tongliao City is bound to be restricted by the specific local social and economic environment, and by some stakeholders' hijacking and policy constraints.The second part analyzes the problems.On the basis of the previous qualitative research, according to the characteristics of local rural economy and rural finance, the quantitative research method of AHP model is adopted.It is concluded that the best way to reform the property right mode of rural credit cooperatives in Tongliao City is the joint-stock commercial bank model.The third part, solve the problem, on the basis of experience, put forward the policy measures.Rural cooperative finance has been successful in developed countries. In Europe, the United Kingdom, Germany, France, America, Japan, and so on, have quite successful experience in the practice of rural cooperative finance.This paper mainly analyzes the rural cooperative finance practice in three countries, Germany, the United States and Japan, and summarizes the experience from it. Through the comparative analysis of the local conditions in Tongliao region, the author draws some enlightenment to the reform of Tongliao City.Finally, the paper puts forward some suggestions from the aspects of property right reform, rural financial environment, legal person management and so on.
【學(xué)位授予單位】：內(nèi)蒙古師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

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