本文關(guān)鍵詞： 農(nóng)村信用社 產(chǎn)權(quán)制度 股份制改造　出處：《吉林大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村信用社一直以來是我國農(nóng)村金融的重要組成部分，是支持“三農(nóng)”服務(wù)的主力軍。農(nóng)村信用社的良性發(fā)展，將大大提高農(nóng)村金融服務(wù)效率，促進(jìn)我國社會(huì)主義新農(nóng)村建設(shè)事業(yè)穩(wěn)步前進(jìn)，關(guān)系到我國社會(huì)、政治和國民經(jīng)濟(jì)總體戰(zhàn)略，而現(xiàn)有農(nóng)村金融制度無法滿足農(nóng)村經(jīng)濟(jì)發(fā)展對金融的多元化需求。近年來，作為支農(nóng)主力軍的農(nóng)村信用社發(fā)揮的作用并不明顯，農(nóng)村信用社的合作金融的特征和功能基本喪失，不良貨款比重增大，產(chǎn)生了許多監(jiān)管評級[1]在5B級以下的高風(fēng)險(xiǎn)農(nóng)村信用社[2]。對農(nóng)村信用社的產(chǎn)權(quán)制度改革迫在眉睫，已經(jīng)是我國農(nóng)村金融體制改革的重中之重。 農(nóng)村信用社改革與整個(gè)經(jīng)濟(jì)發(fā)展全局和全國農(nóng)村金融制度改革成敗緊緊相連，具有不可忽視的戰(zhàn)略意義。農(nóng)村合作金融從二十世紀(jì)五十年代初運(yùn)行至今，內(nèi)在矛盾逐漸凸顯，，產(chǎn)權(quán)歸屬不清、內(nèi)部治理結(jié)構(gòu)混亂，以此為核心的農(nóng)村信用社產(chǎn)權(quán)制度改革正在慢慢探索進(jìn)行中，因此對農(nóng)信社產(chǎn)權(quán)制度改制的研究和探索也是本論文研究的目的或出發(fā)點(diǎn)。 2010年，銀監(jiān)會(huì)下發(fā)了《關(guān)于高風(fēng)險(xiǎn)農(nóng)村信用社并購重組的指導(dǎo)意見》（銀監(jiān)發(fā)〔2010〕71號(hào)）和《關(guān)于加快推進(jìn)農(nóng)村合作金融機(jī)構(gòu)股權(quán)改造的指導(dǎo)意見》（銀監(jiān)發(fā)〔2010〕92號(hào)），提出了“加快推進(jìn)農(nóng)村信用社股份制改造”，可以“對高風(fēng)險(xiǎn)機(jī)構(gòu)可進(jìn)行并購重組”。本文以貨幣金融理論、合作經(jīng)濟(jì)理論、產(chǎn)權(quán)制度為指導(dǎo)，以長白山保護(hù)開發(fā)區(qū)農(nóng)村商業(yè)銀行體制改革為案例，系統(tǒng)分析了通過并購重組達(dá)到股份制改造，化解高風(fēng)險(xiǎn)農(nóng)村信用社風(fēng)險(xiǎn)的新途徑，為并購重組工作提供了理論依據(jù)和現(xiàn)實(shí)操作，指明了方向。
[Abstract]:Rural credit cooperatives have always been an important part of rural finance in China, and are the main force to support the "three rural" services. The benign development of rural credit cooperatives will greatly improve the efficiency of rural financial services. To promote the construction of new socialist countryside in our country is related to the overall strategy of our society, politics and national economy. However, the existing rural financial system can not meet the diversified needs of rural economic development. In recent years, as the main force of supporting agriculture, the role of rural credit cooperatives is not obvious. The characteristics and functions of cooperative finance of rural credit cooperatives are basically lost, and the proportion of bad loans increases, which results in many regulatory ratings. [1] High risk rural credit cooperatives below 5B. [2. It is urgent to reform the property right system of rural credit cooperatives, which is the most important part of the reform of rural financial system in our country. The reform of rural credit cooperatives is closely linked with the overall economic development and the success or failure of the reform of the national rural financial system, which is of strategic significance. Rural cooperative finance has operated since the beginning of 1950s. The inherent contradiction gradually highlights, the ownership of property rights is unclear, the internal governance structure is chaotic, so the reform of the property right system of rural credit cooperatives is slowly being explored. Therefore, the research and exploration of the reform of the property right system of rural credit cooperatives is the purpose or starting point of this paper. 2010. The CBRC issued the "guidance opinions on mergers and acquisitions of high-risk rural credit cooperatives" (No. 71) and the "guiding opinions on speeding up the Reform of Equity in Rural Cooperative Financial institutions" (. No. 92). This paper puts forward that "speeding up the reform of the joint-stock system of rural credit cooperatives" can "carry out mergers and acquisitions of high-risk institutions". This paper is guided by the theory of money and finance, the theory of cooperative economy and the system of property rights. Taking the system reform of rural commercial banks in Changbai Mountain Protection Development Zone as an example, this paper systematically analyzes the new ways to solve the risks of high risk rural credit cooperatives through mergers and acquisitions to achieve joint-stock transformation. It provides theoretical basis and practical operation for M & A and reorganization work, and points out the direction.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.3

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