【摘要】：農(nóng)村信用社是農(nóng)村金融的主力軍,是聯(lián)系農(nóng)民的金融紐帶,在支持農(nóng)村經(jīng)濟體制改革、促進農(nóng)村經(jīng)濟與社會發(fā)展中發(fā)揮著舉足輕重的作用。湖南省農(nóng)信社自建立以來,經(jīng)歷了一個艱難而曲折的改革發(fā)展歷程,但都沒有涉及或回避了產(chǎn)權(quán)制度這一核心敏感問題。從實踐上,湖南省農(nóng)信社至今還未找到一條適合于自己的道路；從理論上,對我省農(nóng)信社改革的制度模式依然存在較大的分歧。近年來,產(chǎn)權(quán)不明、法人治理結(jié)構(gòu)形同虛設(shè)、內(nèi)控機制不健全、金融風險嚴重等諸多問題,嚴重困擾著湖南省農(nóng)信社的生存、發(fā)展。深化我省農(nóng)信社產(chǎn)權(quán)制度的改革,不僅關(guān)系到農(nóng)信社的可持續(xù)發(fā)展,也事關(guān)農(nóng)業(yè)發(fā)展、農(nóng)村穩(wěn)定、農(nóng)民增收的大局。 本研究以農(nóng)信社產(chǎn)權(quán)制度改革為研究主線,首先對農(nóng)信社產(chǎn)權(quán)、產(chǎn)權(quán)制度及制度變遷相關(guān)理論進行了分析,結(jié)合湖南省農(nóng)信社改革的歷程分析了其產(chǎn)權(quán)制度變遷的規(guī)律性特征。在總結(jié)湖南省農(nóng)信社自2003年新一輪農(nóng)信社產(chǎn)權(quán)制度改革取得成效的基礎(chǔ)上,深入剖析了湖南省農(nóng)信社產(chǎn)權(quán)制度現(xiàn)狀及存在的制約性問題,主要有產(chǎn)權(quán)主體錯位、法人治理結(jié)構(gòu)不合理、內(nèi)部人控制現(xiàn)象嚴重、合作金融產(chǎn)權(quán)制度缺陷和信息披露機制不健全等。同時分析了導致這些問題的原因歸結(jié)如下：一是農(nóng)村金融環(huán)境不利于農(nóng)信社徹底的產(chǎn)權(quán)改革；二是政府干預(yù)過重干擾農(nóng)信社產(chǎn)權(quán)制度改革；三是管理體制的集中化削弱了基層農(nóng)信社的自主權(quán)；四是過度重視產(chǎn)權(quán)模式改革而不是產(chǎn)權(quán)改革；五是歷年積累或虧損無法界定產(chǎn)權(quán)。 在上述研究的基礎(chǔ)上,根據(jù)國外農(nóng)村合作金融成功的經(jīng)驗和結(jié)合湖南省農(nóng)信社的實際情況,運用制度經(jīng)濟學的原理制定優(yōu)化湖南省農(nóng)信社產(chǎn)權(quán)制度改革的方案設(shè)計,從創(chuàng)新產(chǎn)權(quán)制度、因地制宜制定產(chǎn)權(quán)模式、完善法人治理結(jié)構(gòu)、轉(zhuǎn)換內(nèi)部經(jīng)營管理機制等方面加強改革的內(nèi)容。同時,在改善湖南省農(nóng)信社產(chǎn)權(quán)制度改革內(nèi)外部環(huán)境,如提升農(nóng)信社從業(yè)人員素質(zhì)、科學合理安排政府與農(nóng)信社的關(guān)系、加強建設(shè)內(nèi)外部監(jiān)管體系和農(nóng)村合作金融基礎(chǔ)設(shè)施等方面,加快農(nóng)信社產(chǎn)權(quán)制度改革的進程。
[Abstract]:Rural credit cooperatives are the main force of rural finance and the financial link connecting farmers. They play an important role in supporting the reform of rural economic system and promoting rural economic and social development. Since its establishment, Hunan Peasant Credit Cooperative has experienced a difficult and tortuous process of reform and development, but it has not involved or avoided the core sensitive issue of property right system. In practice, Hunan rural credit cooperatives have not found a suitable way for themselves, and in theory, there are still great differences on the institutional model of the reform of agricultural credit cooperatives in Hunan Province. In recent years, many problems, such as unclear property rights, virtual corporate governance structure, imperfect internal control mechanism, serious financial risks and so on, seriously perplexed the survival and development of Hunan rural credit cooperatives. Deepening the reform of the property right system of rural credit cooperatives in our province is not only related to the sustainable development of agricultural credit cooperatives, but also related to the overall situation of agricultural development, rural stability and farmers' income increase. This study takes the reform of property right system of rural credit cooperatives as the main line of research. Firstly, it analyzes the property rights, property rights system and related theories of institutional change of rural credit cooperatives, and analyzes the regular characteristics of the changes of property rights system in combination with the course of the reform of rural credit cooperatives in Hunan Province. On the basis of summing up the achievements of the new round of property rights system reform of Hunan rural credit cooperatives in 2003, this paper deeply analyzes the present situation and existing restrictive problems of the property rights system of Hunan agricultural credit cooperatives, such as the dislocation of the main body of property rights, the unreasonable governance structure of legal persons, the serious phenomenon of insider control, the defects of cooperative financial property rights system and the imperfect information disclosure mechanism, and so on. At the same time, the reasons for these problems are summarized as follows: first, the rural financial environment is not conducive to the thorough property rights reform of rural credit cooperatives; second, government intervention interferes with the reform of rural credit cooperatives property rights system; third, the centralization of management system weakens the autonomy of grass-roots rural credit cooperatives; fourth, excessive emphasis on the reform of property rights model rather than property rights reform; fifth, accumulation or loss can not define property rights over the years. On the basis of the above research, according to the successful experience of foreign rural cooperative finance and the actual situation of Hunan rural credit cooperatives, the scheme design of optimizing the property right system reform of Hunan rural credit cooperatives is formulated by using the principle of institutional economics, and the contents of the reform are strengthened from the aspects of innovating the property right system, formulating the property right model according to local conditions, perfecting the corporate governance structure, and changing the internal management mechanism. At the same time, in improving the internal and external environment of the reform of the property right system of rural credit cooperatives in Hunan Province, such as improving the quality of the employees of rural credit cooperatives, scientifically and reasonably arranging the relationship between the government and rural credit cooperatives, strengthening the construction of internal and external supervision system and rural cooperative financial infrastructure, etc., we should speed up the process of the reform of the property rights system of agricultural credit cooperatives.
【學位授予單位】：湖南農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35

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