【摘要】：農(nóng)村金融市場的發(fā)展直接關(guān)系到“三農(nóng)”問題的解決和我國農(nóng)村經(jīng)濟的發(fā)展,我國農(nóng)村金融市場歷經(jīng)多次改革,目前逐步形成了以合作性金融組織為主體,商業(yè)性與政策性金融組織相輔助,民間金融組織做補充的多層次分工協(xié)作的農(nóng)村信用體系。農(nóng)村合作銀行以股份合作制原則為基礎(chǔ),既堅持了合作制的互助原則,又引入了股份制的競爭因素。農(nóng)村合作銀行的成立是我國農(nóng)信社改革中的大膽創(chuàng)新。從2003年我國開始實施農(nóng)村信用社試點改革到目前為止,農(nóng)村合作銀行的深化發(fā)展和范圍擴大都取得了有效的成果,但是其法人治理結(jié)構(gòu)仍然存在產(chǎn)權(quán)不明晰,股權(quán)結(jié)構(gòu)不完善,股東、董事會、管理層和監(jiān)事會責(zé)任分工不明確等問題,這些問題在一定程度上阻礙了農(nóng)村合作銀行的進一步發(fā)展,建立合理有效的法人治理結(jié)構(gòu)對農(nóng)村合作銀行以及整個農(nóng)村金融市場的發(fā)展都會起到有效的推動作用。 本文總共分為五個部分：第一章,研究完善農(nóng)村合作銀行法人治理結(jié)構(gòu)的意義,回顧中外學(xué)術(shù)界對本問題的研究評價,界定了本文涉及到的主要概念,分析了農(nóng)村合作銀行的基本理論；第二章,對我國農(nóng)村合作銀行的發(fā)展路徑進行回顧,明確了農(nóng)村合作銀行在我國金融體系中的市場定位；本文的第三章主要是對我國農(nóng)村合作銀行法人治理結(jié)構(gòu)的現(xiàn)狀進行了詳細描述,并對其中存在的問題進行總結(jié)、分析；第四章,將農(nóng)村合作銀行與農(nóng)村商業(yè)銀行、國外合作銀行進行比較分析,尋找可借鑒的因素；第五章,針對目前我國農(nóng)村合作銀行的發(fā)展現(xiàn)狀以及存在的諸多問題,提出合理的政策建議,以推動農(nóng)村合作銀行更好更快的發(fā)展。
[Abstract]:The development of the rural financial market is directly related to the solution of the "three rural" problems and the development of the rural economy of our country. After many reforms, the rural financial market in our country has gradually formed a cooperative financial organization as the main body. Commercial and policy-oriented financial organizations complement the rural credit system of multi-level division of labor and cooperation. Based on the principle of stock cooperation, rural cooperative bank not only adheres to the mutual aid principle of cooperative system, but also introduces the competitive factor of joint-stock system. The establishment of the Rural Cooperative Bank is a bold innovation in the reform of rural credit cooperatives in China. Since the implementation of the rural credit cooperative pilot reform in China in 2003, the deepening development and expansion of the scope of the rural cooperative bank have achieved effective results, but the corporate governance structure of the rural cooperative bank still has unclear property rights and imperfect equity structure. Problems such as unclear division of responsibilities between shareholders, boards of directors, management and supervisory boards, to a certain extent, have hindered the further development of rural cooperative banks. The establishment of reasonable and effective corporate governance structure will promote the development of rural cooperative bank and the whole rural financial market. This paper is divided into five parts altogether: chapter one studies the significance of perfecting the corporate governance structure of rural cooperative bank, reviews the research and evaluation of this issue in Chinese and foreign academic circles, and defines the main concepts involved in this paper. The basic theory of rural cooperative bank is analyzed. The second chapter reviews the development path of rural cooperative bank in China and clarifies the market position of rural cooperative bank in the financial system of our country. The third chapter mainly describes the current situation of the corporate governance structure of rural cooperative bank in China, and summarizes and analyzes the existing problems. Chapter four compares the rural cooperative bank with the rural commercial bank and the foreign cooperative bank to find the factors that can be used for reference. In the fifth chapter, according to the current situation of rural cooperative bank in China and the existing problems, the author puts forward some reasonable policy suggestions to promote the rural cooperative bank to develop better and faster.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

【參考文獻】

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本文編號：2303092