新兴县农村信用社改革和法人治理地研究.docVIP

华 中 科 技 大 学 硕 士 学 位 论 文  摘  要  随着中国入世承诺兑现，国外金融机构大举进入中国成立法人金融机构，并全 方位开展金融业务。与此同时，国有商业银行股份制改革后积极开拓市场、追求良 好业绩回馈股东，国内金融市场的竞争越发激烈。而当前信用社无论是在自身建设， 还是在适应为“三农”服务要求等方面，都还存在着不少问题。造成这些问题的主 要原因是产权不明晰，法人治理结构不完善，经营机制和内控制度不健全，管理职 权和责任需要进一步明确。农信社如何抢抓机遇，应对挑战，当务之急就是要加快 法人治理结构的完善，实现经营机制的切实有效转换，真正发挥农村金融主力军作 用。 本文重点关注在金融改革的大背景下，农村信用社产权制度和法人治理改革。 采用选点调查的方式，通过问卷调查、实地调研和访问座谈等方式，对云浮市新兴 县农村信用社改革进展情况进行了重点调查。对新兴县农村信用社乃至云浮市农村 信用社改革进展情况的调查，使我们意识到农信社法人治理结构依然不完善，农信 社产权制度改革中合作制流于形式。对此，本文进一步分析了在农信社产权制度变 迁中农信社改革的动力设计和路径依赖等问题，建议在现有条件限制下农信社产权 制度改革的重点在于明晰产权，而不在于采取何种产权模式，并提出了广东农信社 较为现实可行的改革路径建议。 关键词：法人治理结构；农村信用社；产权制度改革 I 华 中 科 技 大 学 硕 士 学 位 论 文 Abstract With Chinas WTO accession commitments fulfilled, foreign financial institutions to enter China to set up a large scale corporate financial institutions, and carry out all financial operations. At the same time, state-owned joint-stock reform of commercial banks actively explore the market, the pursuit of good performance to shareholders, and the competitiveness of the domestic financial market more intense. However, both in their own building, or in the adaptation of three rural service requirements, etc., the current credit cooperatives still exist many problems. The main reason for these problems is the lack of clarity of property rights, corporate governance imperfect structure, operational mechanisms and internal control system is not perfect, and management authority and responsibility to be further defined. To seize the opportunity and meet the challenges, Rural Credit Cooperatives need to accelerate the improvement of corporate governance structure, operational mechanisms to achieve effective transformation, the real financial role as the main force in rural areas to play. This paper focus on the property rights system and corporate governance reform of rural credit cooperatives in the financial reform context. We select points by the survey, through questionnaires, field research and interviews, including discussion of Xinxing County Yunfu Ci