本文關(guān)鍵詞： 農(nóng)村信用社 發(fā)展模式 新疆　出處：《新疆大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：我國農(nóng)村信用社是一種特殊的金融機構(gòu)，也是一種特殊的制度安排，其發(fā)展路徑是一種典型的“機構(gòu)路徑”，也是一種“功能路徑”。從農(nóng)村信用社的發(fā)展歷程來看，農(nóng)村信用社的發(fā)展模式是隨著農(nóng)村金融機構(gòu)的調(diào)整而改變的；從適應(yīng)性、效率性、政策性和改革成本方面考慮，我國農(nóng)村信用社的改革又具有誘致性的功能路徑依賴。 本文先對我國及新疆農(nóng)村信用社的發(fā)展歷程進行了評述。新疆農(nóng)村信用社的發(fā)展離不開我國農(nóng)信社發(fā)展的大環(huán)境，其發(fā)展階段也大致分為三個階段：初建階段、農(nóng)行托管階段和改革發(fā)展階段。階段劃分的主要依據(jù)是農(nóng)村信用社監(jiān)管部門和機構(gòu)的交替變更，將其歸結(jié)為“機構(gòu)路徑”。 然后，提出新疆農(nóng)村信用社現(xiàn)存的問題并分析成因。新疆農(nóng)村信用社現(xiàn)存的問題主要有：產(chǎn)權(quán)歸屬不清，管理體制不完善，貸款信用問題等。經(jīng)過對新疆農(nóng)信社客觀因素的分析發(fā)現(xiàn)，新疆農(nóng)信社不良資產(chǎn)的形成和信用風(fēng)險的集中主要是：歷史因素遺留的沉重的歷史包袱問題、組織和內(nèi)控制度不完善和人員職業(yè)素質(zhì)較低等。 接著，對現(xiàn)存的農(nóng)村信用社的幾種發(fā)展模式進行分析。以烏魯木齊市聯(lián)社、石河子農(nóng)村合作銀行、五家渠國民村鎮(zhèn)銀行等為例，通過對其股權(quán)結(jié)構(gòu)和經(jīng)營指標的動態(tài)對比分析，為新疆農(nóng)信社的改革方向提供參考模式。 最后，分析新疆農(nóng)村金融體系構(gòu)成現(xiàn)狀，比較合作金融和商業(yè)金融，從功能的角度，用C-A-P方法具體分析新疆不同區(qū)域農(nóng)村的經(jīng)濟環(huán)境、經(jīng)濟特點、金融客戶需求和不同金融模式所提供的金融供給，，從而選擇與之相適應(yīng)的發(fā)展模式。 本文學(xué)習(xí)并借鑒了國內(nèi)外專家學(xué)者的研究理論和方法，在做了深入詳細的實地調(diào)查后，運用比較法、博弈論、SWOT分析、C-A-P戰(zhàn)略定位模型等，將新疆農(nóng)村信用社發(fā)展與我國農(nóng)村信用社的發(fā)展做相關(guān)比較，將聯(lián)社形式、合作銀行與商業(yè)銀行作比較，將農(nóng)村信用社的發(fā)展與新疆農(nóng)業(yè)的發(fā)展相聯(lián)系，一改以往以信用社的上級監(jiān)管部門為主線的“上級決定模式”的“機構(gòu)路徑”為“需求和功能決定模式”的“功能路徑”，以期農(nóng)信社的發(fā)展能因地制宜、滿足所屬地的金融需求，真正達到服務(wù)“三農(nóng)”的目的，為新疆農(nóng)業(yè)經(jīng)濟發(fā)展提供金融支持。 隨著新農(nóng)村建設(shè)的不斷推進，以農(nóng)村信用社為主力軍的新疆農(nóng)村金融將迎來前所未有的發(fā)展機遇。新疆農(nóng)村信用社必將在改革中不斷規(guī)范，煥發(fā)出無限的生機與活力，推動新疆農(nóng)業(yè)、農(nóng)村經(jīng)濟更快更好地發(fā)展。
[Abstract]:China's rural credit cooperatives are a special financial institution and a special institutional arrangement. The development path of rural credit cooperatives is a typical "institutional path" and a "functional path". The mode of development of rural credit cooperatives is changed with the adjustment of rural financial institutions, and the reform of rural credit cooperatives has the inductive functional path dependence from the aspects of adaptability, efficiency, policy and reform cost. This paper reviews the development of rural credit cooperatives in China and Xinjiang. The development of rural credit cooperatives in Xinjiang can not be separated from the general environment of the development of rural credit cooperatives in China. The main basis of the stage division is the alternation of the supervision department and the institution of the rural credit cooperative, which can be summed up as the "institutional path". Then, the paper puts forward the existing problems of Xinjiang rural credit cooperatives and analyzes the causes. The existing problems of Xinjiang rural credit cooperatives are: the ownership of property rights is unclear, the management system is not perfect, Through the analysis of the objective factors of Xinjiang Rural Credit Cooperatives, it is found that the formation of non-performing assets and the concentration of credit risks in Xinjiang Rural Credit Cooperatives are mainly: the heavy historical burden left over by historical factors. Organization and internal control system is imperfect and personnel professional quality is low. Then, several development models of the existing rural credit cooperatives are analyzed. Taking Urumqi City Union, Shihezi Rural Cooperative Bank, Wujiaqu National Village and Town Bank as examples, Through the dynamic comparative analysis of ownership structure and management index, this paper provides a reference model for the reform direction of Xinjiang Rural Credit Cooperative. Finally, the paper analyzes the present situation of rural financial system in Xinjiang, compares cooperative finance and commercial finance, analyzes the economic environment and economic characteristics of different regions of Xinjiang by C-A-P method from the perspective of function. The demand of financial customers and the financial supply provided by different financial models, so as to choose a suitable development model. This paper studies and draws lessons from the research theories and methods of experts and scholars at home and abroad, after making a thorough and detailed field investigation, using comparative method, game theory SWOT analysis and C-A-P strategic positioning model, etc. This paper compares the development of rural credit cooperatives in Xinjiang with the development of rural credit cooperatives in China, compares the forms of cooperatives, cooperative banks and commercial banks, and links the development of rural credit cooperatives with the development of agriculture in Xinjiang. A change from the "institutional path" of the "superior decision mode", which used to be the main line of the superior supervision department of the credit cooperative, to the "functional path" of the "demand and function determination mode", so that the development of the rural credit cooperative can be adapted to the local conditions. To meet the financial needs of the local, truly achieve the purpose of serving agriculture, rural areas and farmers, and provide financial support for the development of Xinjiang's agricultural economy. With the continuous development of the new rural construction, the rural finance of Xinjiang, with the rural credit cooperatives as the main force, will welcome an unprecedented opportunity for development. Promote Xinjiang agriculture, rural economy develops faster and better.
【學(xué)位授予單位】：新疆大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

【引證文獻】

相關(guān)碩士學(xué)位論文 前2條

1 吳暢;湖南省農(nóng)村信用社經(jīng)營模式研究[D];中南林業(yè)科技大學(xué);2013年

2 謝彬;經(jīng)濟發(fā)達地區(qū)農(nóng)村合作銀行改革及啟示[D];西北農(nóng)林科技大學(xué);2013年

本文編號：1552570