本文選題：農(nóng)村信用社 + 改革模式��； 參考：《山東大學(xué)》2015年碩士論文

【摘要】：本文首先簡要回顧了山東省農(nóng)村信用社改革與發(fā)展的歷史,對其在改革發(fā)展過程中存在的問題進(jìn)行分析,得出山東省農(nóng)村信用社普遍存在負(fù)責(zé)結(jié)構(gòu)單一產(chǎn)權(quán)關(guān)系不明等問題。在其他金融主體淡出農(nóng)村金融舞臺,縮小農(nóng)村金融支持范圍的環(huán)境下,農(nóng)村信用社改革就顯得越來越迫切。山東省是農(nóng)業(yè)大省,農(nóng)村人口眾多,農(nóng)業(yè)經(jīng)濟(jì)占有極其重要的地位,農(nóng)村信用社改革就更需要得到足夠的重視。隨后,對改革試點過程中可采取的三種模式進(jìn)行利弊分析,得出相對適合山東農(nóng)信社改革的模式。在此基礎(chǔ)上分析山東省農(nóng)村信用社當(dāng)前的股改現(xiàn)狀、存在問題及原因,進(jìn)而提出建立山東省農(nóng)村商業(yè)銀行的整體構(gòu)想。最后,對深化山東省農(nóng)信社改革提出若干政策建議,供其參考。本文主要包含六大部分,第一部分是導(dǎo)言,主要包括研究背景與意義,研究思路,研究方法,文章框架及創(chuàng)新點和不足之處。第二部分是相關(guān)文獻(xiàn)綜述,主要概述國內(nèi)外關(guān)于合作金融的一些探討。第三部分是山東省農(nóng)村信用社的改革歷史回顧及其改革動因,從山東省農(nóng)村信用社的起步發(fā)展,受挫萎縮,全面恢復(fù),規(guī)范發(fā)展四個階段進(jìn)行回顧,同時指出在發(fā)展階段存在著諸如歷史包袱沉重,服務(wù)范圍狹窄,缺乏有效的政策支持,產(chǎn)權(quán)關(guān)系混亂,負(fù)債結(jié)構(gòu)單一五個方面的問題。第四部分是山東省農(nóng)村信用社改革可選模式分析,結(jié)合其他省份改革模式,提出合作制,股份合作制,股份制三種改革模式,并分析其優(yōu)劣勢。第五部分是山東省農(nóng)村信用社深化改革發(fā)展的未來設(shè)想與政策建議,在第四部分的基礎(chǔ)上,結(jié)合山東省農(nóng)信社股份制改革現(xiàn)狀,指出存在諸如股權(quán)改造流于形式及未改革法人單位改革過程中阻力重重等問題及原因,提出建立統(tǒng)一法人的山東省農(nóng)商行模式,并從強(qiáng)化自身建設(shè)和優(yōu)化外部環(huán)境兩個方面提出具體措施。第六部分是結(jié)論,從山東省農(nóng)村信用社改革的必要性,山東省農(nóng)信社改革模式的選擇要因地制宜及農(nóng)商行模式的進(jìn)一步創(chuàng)新和支持鼓勵發(fā)展三個方面進(jìn)行總結(jié)。
[Abstract]:This paper first briefly reviews the history of the reform and development of rural credit cooperatives in Shandong Province, analyzes the problems in the process of reform and development, and draws the conclusion that the single property right relationship of the responsible structure is generally unknown in Shandong rural credit cooperatives.The reform of rural credit cooperatives is becoming more and more urgent under the circumstances that other financial entities fade out of the rural financial stage and narrow the scope of rural financial support.Shandong Province is a large agricultural province with a large rural population and an extremely important position in agricultural economy. The reform of rural credit cooperatives needs more attention.Then, the author analyzes the advantages and disadvantages of the three models that can be adopted in the process of pilot reform, and draws a model that is relatively suitable for the reform of Shandong Rural Credit Cooperative.On this basis, this paper analyzes the current situation, existing problems and reasons of the reform of rural credit cooperatives in Shandong Province, and then puts forward the overall idea of establishing rural commercial banks in Shandong Province.Finally, some policy suggestions on deepening the reform of Shandong Rural Credit Cooperative are put forward for its reference.The first part is the introduction, including the background and significance of the research, research ideas, research methods, the framework of the article and innovations and shortcomings.The second part is the related literature review, mainly summarizes the domestic and foreign cooperation finance some discussion.The third part is the review of the reform history of Shandong rural credit cooperatives and its reform motivation, from the start of the development of Shandong rural credit cooperatives, setbacks, comprehensive recovery, standardized development of the four stages to review.At the same time, it points out that there are five problems in the development stage, such as heavy historical burden, narrow service scope, lack of effective policy support, confusion of property right relationship and single debt structure.The fourth part is the analysis of the optional mode of rural credit cooperative reform in Shandong Province, combining with other provinces' reform mode, it puts forward three reform modes: cooperative system, joint-stock cooperative system and joint-stock system, and analyzes its advantages and disadvantages.The fifth part is the future assumption and policy suggestions of deepening the reform and development of rural credit cooperatives in Shandong Province. On the basis of the fourth part, the paper combines the status quo of the reform of the joint-stock system of rural credit cooperatives in Shandong Province.This paper points out that there are many problems and reasons such as the imperfections of stock rights reform and the obstacles in the reform of legal person units, and puts forward the establishment of Shandong agricultural and commercial bank model of unified legal person.And put forward concrete measures from two aspects of strengthening self-construction and optimizing external environment.The sixth part is the conclusion, from the Shandong Province rural credit cooperatives reform necessity, Shandong Province rural credit cooperatives reform mode choice should adapt to the local conditions and the agriculture commercial bank model further innovation and the support encourages the development three aspects to carry on the summary.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.35

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 雷春柱;農(nóng)村信用社產(chǎn)權(quán)制度改革模式選擇[J];金融理論與實踐;2004年07期

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本文編號：1734173