黑河市縣級農村信用聯(lián)社改革模式研究
發(fā)布時間：2018-08-24 19:25
【摘要】：我國農村信用社走過了60年的發(fā)展歷程，雖然幾經改革，但黑河市縣級農村信用聯(lián)社有限資金規(guī)模和簡單的傳統(tǒng)業(yè)務，已經跟不上新時期農村社會前進的步伐。并且農村金融市場競爭愈來愈烈，在公司治理、管理體制、員工素質、資金實力、業(yè)務品種和服務水平等方面，農村信用社與其他金融機構都存在很大差距。如果農村信用社不深化改革，轉變發(fā)展方式，將被其他金融機構邊緣化。本文以黑河市縣級農村信用聯(lián)社改革為背景，以現(xiàn)代產權理論，運用比較分析、定量分析與定性分析等方法，對黑河市縣級農村信用聯(lián)改革模式進行了深入研究，目的是發(fā)現(xiàn)不足，探究原因，為黑河市縣級農村信用聯(lián)社改革提供理論支撐，促進其早日步入可持續(xù)健康發(fā)展軌道。并希望有關研究成果也可供行業(yè)管理部門和監(jiān)管部門將改革模式向同類同質化機構推廣時借鑒，從而為相關機構科學決策提供依據(jù)和參考。 本文首先對建國以來信用社各個發(fā)展階段進行了追述，并對黑河市近十幾年的改革成果進行了總結，，重點對黑河市縣級農村信用聯(lián)社改革中存在的問題及成因進行了研究。然后對縣級農村信用聯(lián)社三種改革模式的優(yōu)缺點進行比較，通過對黑河市經濟金融環(huán)境和黑河市農村信用社內外改革環(huán)境進行分析，認為黑河市五家縣級農聯(lián)社應以縣域為基礎，按照股份制模式運作，改造成農商行。隨后通過對五家縣級農村信用聯(lián)社自身條件與設立要求對比和兩種設立方式比較，得出各家縣級農村信用聯(lián)社應根據(jù)自身條件選擇自發(fā)設立或兼并重組方式。最后對縣級股份制農村商業(yè)銀行成立后發(fā)展提出了完善法人治理、轉變經營方式、加強內控建設等建議。
[Abstract]:China's rural credit cooperatives have gone through 60 years of development. Although they have been reformed several times, the limited capital scale and simple traditional business of the rural credit cooperatives at the county level in Heihe City have been unable to keep pace with the progress of the rural society in the new period. The competition in rural financial market is becoming more and more intense. There is a big gap between rural credit cooperatives and other financial institutions in the aspects of corporate governance, management system, staff quality, capital strength, business variety and service level. If rural credit cooperatives do not deepen reform, change the way of development, will be marginalized by other financial institutions. Based on the reform of the rural credit union at the county level in Heihe city, this paper makes a thorough study on the reform mode of the rural credit union in Heihe city by means of comparative analysis, quantitative analysis and qualitative analysis with the modern theory of property rights. The purpose is to find out the deficiency, explore the reasons, provide theoretical support for the reform of the rural credit union at the county level in Heihe city, and promote it to enter the track of sustainable and healthy development as soon as possible. It is hoped that the relevant research results can also be used for reference by industry management departments and regulatory departments when promoting the reform model to similar homogeneous institutions, thus providing the basis and reference for the scientific decision-making of relevant institutions. This paper first reviews the development stages of credit cooperatives since the founding of the people's Republic of China, summarizes the achievements of the reform in Heihe City in the past ten years, and focuses on the problems and causes in the reform of rural credit cooperatives at the county level in Heihe City. Then it compares the advantages and disadvantages of the three reform modes of the county rural credit union, and analyzes the economic and financial environment of Heihe city and the reform environment inside and outside of the rural credit cooperative of Heihe city. It is believed that the five county-level agricultural federations in Heihe City should be transformed into agricultural and commercial banks on the basis of county territory and in accordance with the joint-stock mode. Then through the comparison of the five county-level rural credit cooperatives' own conditions and establishment requirements and the comparison of the two ways of establishment, it is concluded that the county level rural credit cooperatives should choose the spontaneous establishment or merger and reorganization mode according to their own conditions. Finally, the author puts forward some suggestions for the development of county-level joint-stock rural commercial banks after their establishment, such as perfecting the corporate governance, changing the management mode and strengthening the construction of internal control.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35
本文編號：2201794
[Abstract]:China's rural credit cooperatives have gone through 60 years of development. Although they have been reformed several times, the limited capital scale and simple traditional business of the rural credit cooperatives at the county level in Heihe City have been unable to keep pace with the progress of the rural society in the new period. The competition in rural financial market is becoming more and more intense. There is a big gap between rural credit cooperatives and other financial institutions in the aspects of corporate governance, management system, staff quality, capital strength, business variety and service level. If rural credit cooperatives do not deepen reform, change the way of development, will be marginalized by other financial institutions. Based on the reform of the rural credit union at the county level in Heihe city, this paper makes a thorough study on the reform mode of the rural credit union in Heihe city by means of comparative analysis, quantitative analysis and qualitative analysis with the modern theory of property rights. The purpose is to find out the deficiency, explore the reasons, provide theoretical support for the reform of the rural credit union at the county level in Heihe city, and promote it to enter the track of sustainable and healthy development as soon as possible. It is hoped that the relevant research results can also be used for reference by industry management departments and regulatory departments when promoting the reform model to similar homogeneous institutions, thus providing the basis and reference for the scientific decision-making of relevant institutions. This paper first reviews the development stages of credit cooperatives since the founding of the people's Republic of China, summarizes the achievements of the reform in Heihe City in the past ten years, and focuses on the problems and causes in the reform of rural credit cooperatives at the county level in Heihe City. Then it compares the advantages and disadvantages of the three reform modes of the county rural credit union, and analyzes the economic and financial environment of Heihe city and the reform environment inside and outside of the rural credit cooperative of Heihe city. It is believed that the five county-level agricultural federations in Heihe City should be transformed into agricultural and commercial banks on the basis of county territory and in accordance with the joint-stock mode. Then through the comparison of the five county-level rural credit cooperatives' own conditions and establishment requirements and the comparison of the two ways of establishment, it is concluded that the county level rural credit cooperatives should choose the spontaneous establishment or merger and reorganization mode according to their own conditions. Finally, the author puts forward some suggestions for the development of county-level joint-stock rural commercial banks after their establishment, such as perfecting the corporate governance, changing the management mode and strengthening the construction of internal control.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.35
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