農(nóng)村信用社可持續(xù)發(fā)展問(wèn)題研究
發(fā)布時(shí)間：2018-08-28 13:11
【摘要】：長(zhǎng)久以來(lái)，我國(guó)經(jīng)濟(jì)社會(huì)發(fā)展進(jìn)程呈現(xiàn)“重工輕農(nóng)”的二元結(jié)構(gòu)，城鄉(xiāng)經(jīng)濟(jì)社會(huì)發(fā)展不平衡日趨顯現(xiàn)，農(nóng)村經(jīng)濟(jì)發(fā)展遠(yuǎn)遠(yuǎn)滯后于整個(gè)國(guó)民經(jīng)濟(jì)的發(fā)展。究其原因有多個(gè)方面，農(nóng)村金融市場(chǎng)資金長(zhǎng)期供給不足是重要原因，甚至成為制約我國(guó)農(nóng)村經(jīng)濟(jì)快速發(fā)展的瓶頸。中央“一號(hào)文”連續(xù)10年鎖定“三農(nóng)”（農(nóng)村、農(nóng)業(yè)、農(nóng)民），農(nóng)村地區(qū)的經(jīng)濟(jì)社會(huì)發(fā)展問(wèn)題越來(lái)越受到重視。建國(guó)以來(lái)，從政府干預(yù)到市場(chǎng)驅(qū)動(dòng)，從存量改革到增量改革，國(guó)家從未止步于農(nóng)村金融市場(chǎng)改革的探索與實(shí)踐，先后建立了農(nóng)業(yè)銀行、農(nóng)業(yè)發(fā)展銀行、郵政儲(chǔ)蓄、農(nóng)村信用社、村鎮(zhèn)銀行等相對(duì)完備的金融機(jī)構(gòu)。在眾多金融機(jī)構(gòu)中，農(nóng)村信用社已成為農(nóng)村金融名副其實(shí)的主力軍。2003年6月，國(guó)務(wù)院印發(fā)了《深化農(nóng)村信用社改革試點(diǎn)方案》，，拉開了農(nóng)村信用社改革的序幕。近10年來(lái)，農(nóng)村信用社憑借快速的市場(chǎng)反應(yīng)、靈活的管理機(jī)制，取得了高速發(fā)展，經(jīng)營(yíng)狀況明顯好轉(zhuǎn)，資產(chǎn)規(guī)模增長(zhǎng)了6.82倍，在農(nóng)村金融市場(chǎng)中占得了主要市場(chǎng)份額。截至2013年，全國(guó)共有農(nóng)村信用聯(lián)社1803家、農(nóng)村合作銀行122家、農(nóng)村商業(yè)銀行468家，已是農(nóng)村金融市場(chǎng)中最活躍、最豐富的元素，成為支撐社會(huì)主義新農(nóng)村建設(shè)和服務(wù)“三農(nóng)”的中堅(jiān)力量，為促進(jìn)農(nóng)村經(jīng)濟(jì)和農(nóng)村金融的發(fā)展做出了重要貢獻(xiàn)。 但是近年來(lái)，農(nóng)村信用社在改革和發(fā)展過(guò)程中遇到了一系列外部和內(nèi)部問(wèn)題，矛盾日益凸顯，嚴(yán)重制約了農(nóng)村信用社的發(fā)展。本文基于農(nóng)村信用社的可持續(xù)發(fā)展問(wèn)題，首先闡述了選題的背景及意義，簡(jiǎn)要概述了基本理論和研究思路、方法；然后從金融共生理論角度對(duì)農(nóng)村信用社與農(nóng)戶、農(nóng)村中小企業(yè)、其他商業(yè)銀行及國(guó)家政策的共生狀況進(jìn)行了分析，從企業(yè)治理理論角度對(duì)產(chǎn)權(quán)關(guān)系、省聯(lián)社角色、內(nèi)部人控制等方面對(duì)農(nóng)村信用社內(nèi)部治理現(xiàn)狀進(jìn)行了分析，以山東省農(nóng)村信用社20家法人機(jī)構(gòu)一段時(shí)期的經(jīng)營(yíng)數(shù)據(jù)和相關(guān)資料為標(biāo)本，運(yùn)用因子分析法及SPSS17.0數(shù)據(jù)統(tǒng)計(jì)軟件對(duì)影響農(nóng)村信用社外部和內(nèi)部因素進(jìn)行了實(shí)證分析，從中找出制約其可持續(xù)發(fā)展的外部環(huán)境因素和內(nèi)部治理存在的問(wèn)題；總結(jié)了孟加拉鄉(xiāng)村銀行、美國(guó)社區(qū)銀行和德意志合作銀行等類似銀行機(jī)構(gòu)的成功經(jīng)驗(yàn)以及對(duì)我國(guó)農(nóng)村信用社改革發(fā)展的啟示；最后從堅(jiān)持市場(chǎng)定位、創(chuàng)新產(chǎn)品服務(wù)、加大政府扶持、深化體制改革、健全激勵(lì)約束和信息披露機(jī)制、防控金融風(fēng)險(xiǎn)等方面提出了應(yīng)對(duì)措施，以促進(jìn)農(nóng)村信用社的可持續(xù)發(fā)展。
[Abstract]:For a long time, the process of economic and social development in our country has presented a dualistic structure of "emphasizing industry and neglecting agriculture". The imbalance of economic and social development between urban and rural areas appears day by day, and the development of rural economy lags far behind the development of the whole national economy. There are many reasons for this. The shortage of funds in rural financial market is an important reason, and even a bottleneck restricting the rapid development of rural economy. For 10 years in a row, the "No.1 text" of the Central Committee locked in the "three rural areas" (rural, agriculture, farmers), rural areas of economic and social development issues have been paid more and more attention. Since the founding of the people's Republic of China, from government intervention to market drive, from stock reform to incremental reform, the country has never stopped from the exploration and practice of rural financial market reform, and has successively established the Agricultural Bank, Agricultural Development Bank, Postal savings, Rural Credit Cooperatives. Village banks and other relatively complete financial institutions. Among many financial institutions, rural credit cooperatives have become the main force of rural finance worthy of its name. In June 2003, the State Council issued the "pilot Plan for deepening the Reform of Rural Credit Cooperatives", which opened the prelude to the reform of rural credit cooperatives. In the past 10 years, rural credit cooperatives have made rapid development with rapid market response and flexible management mechanism, and their operating conditions have obviously improved. The scale of assets has increased by 6.82 times, accounting for the main market share in the rural financial market. As of 2013, there were 1803 rural credit unions, 122 rural cooperative banks and 468 rural commercial banks, which have become the most active and abundant elements in the rural financial market. It has become the backbone to support the construction and service of the new socialist countryside, and has made important contributions to promoting the development of rural economy and rural finance. However, in recent years, rural credit cooperatives have encountered a series of external and internal problems in the process of reform and development, and the contradictions have become increasingly prominent, seriously restricting the development of rural credit cooperatives. Based on the sustainable development of rural credit cooperatives, this paper first describes the background and significance of the topic, briefly outlines the basic theory and research ideas, methods, and then from the perspective of financial symbiosis theory of rural credit cooperatives and farmers, This paper analyzes the symbiosis of rural small and medium-sized enterprises, other commercial banks and national policies, and analyzes the present situation of rural credit cooperatives' internal governance from the angle of corporate governance theory, such as the relationship of property rights, the role of provincial cooperatives, the control of insiders, and so on. Based on the management data and related data of 20 legal institutions of Shandong Rural Credit Cooperative, this paper makes an empirical analysis of the external and internal factors affecting rural credit cooperatives by using factor analysis and SPSS17.0 data statistics software. In this paper, we find out the external environmental factors that restrict its sustainable development and the problems existing in its internal governance, and sum up the Bangladesh Grameen Bank. The successful experiences of similar banking institutions such as American Community Bank and Deutsche Cooperative Bank and their enlightenment to the reform and development of rural credit cooperatives in China; finally, from insisting on market orientation, innovating products and services, increasing government support, deepening the reform of the system, In order to promote the sustainable development of rural credit cooperatives, this paper puts forward some countermeasures to improve the incentive and restriction mechanism, information disclosure mechanism, prevention and control of financial risks and so on.
【學(xué)位授予單位】：山東師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35
[Abstract]:For a long time, the process of economic and social development in our country has presented a dualistic structure of "emphasizing industry and neglecting agriculture". The imbalance of economic and social development between urban and rural areas appears day by day, and the development of rural economy lags far behind the development of the whole national economy. There are many reasons for this. The shortage of funds in rural financial market is an important reason, and even a bottleneck restricting the rapid development of rural economy. For 10 years in a row, the "No.1 text" of the Central Committee locked in the "three rural areas" (rural, agriculture, farmers), rural areas of economic and social development issues have been paid more and more attention. Since the founding of the people's Republic of China, from government intervention to market drive, from stock reform to incremental reform, the country has never stopped from the exploration and practice of rural financial market reform, and has successively established the Agricultural Bank, Agricultural Development Bank, Postal savings, Rural Credit Cooperatives. Village banks and other relatively complete financial institutions. Among many financial institutions, rural credit cooperatives have become the main force of rural finance worthy of its name. In June 2003, the State Council issued the "pilot Plan for deepening the Reform of Rural Credit Cooperatives", which opened the prelude to the reform of rural credit cooperatives. In the past 10 years, rural credit cooperatives have made rapid development with rapid market response and flexible management mechanism, and their operating conditions have obviously improved. The scale of assets has increased by 6.82 times, accounting for the main market share in the rural financial market. As of 2013, there were 1803 rural credit unions, 122 rural cooperative banks and 468 rural commercial banks, which have become the most active and abundant elements in the rural financial market. It has become the backbone to support the construction and service of the new socialist countryside, and has made important contributions to promoting the development of rural economy and rural finance. However, in recent years, rural credit cooperatives have encountered a series of external and internal problems in the process of reform and development, and the contradictions have become increasingly prominent, seriously restricting the development of rural credit cooperatives. Based on the sustainable development of rural credit cooperatives, this paper first describes the background and significance of the topic, briefly outlines the basic theory and research ideas, methods, and then from the perspective of financial symbiosis theory of rural credit cooperatives and farmers, This paper analyzes the symbiosis of rural small and medium-sized enterprises, other commercial banks and national policies, and analyzes the present situation of rural credit cooperatives' internal governance from the angle of corporate governance theory, such as the relationship of property rights, the role of provincial cooperatives, the control of insiders, and so on. Based on the management data and related data of 20 legal institutions of Shandong Rural Credit Cooperative, this paper makes an empirical analysis of the external and internal factors affecting rural credit cooperatives by using factor analysis and SPSS17.0 data statistics software. In this paper, we find out the external environmental factors that restrict its sustainable development and the problems existing in its internal governance, and sum up the Bangladesh Grameen Bank. The successful experiences of similar banking institutions such as American Community Bank and Deutsche Cooperative Bank and their enlightenment to the reform and development of rural credit cooperatives in China; finally, from insisting on market orientation, innovating products and services, increasing government support, deepening the reform of the system, In order to promote the sustainable development of rural credit cooperatives, this paper puts forward some countermeasures to improve the incentive and restriction mechanism, information disclosure mechanism, prevention and control of financial risks and so on.
【學(xué)位授予單位】：山東師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.35
【參考文獻(xiàn)】
相關(guān)期刊論文 前3條
1 張慶昌;傅再育;;中國(guó)上市公司盈利能力模型分析[J];貴州財(cái)經(jīng)學(xué)院學(xué)報(bào);2006年01期
2 郭R
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