对农村信用社改革与发展的思考

On the Reform and Development of the Rural Credit Cooperatives

深化农村合作金融管理体制改革是农村金融体制改革的重点。本文拟就当前农村信用社存在着的一些问题,试图从健全法人治理结构,明确产权关系,理顺管理体制方面构筑有助于农村信用社功能作用发挥和自身业务成长的体制框架;从市场定位和管理机制方面探讨效益增长点和激发经营活力;从消化历史包袱和化解金融风险方面理顺政策扶持和央行监管的新思路。

Restructuringthe cooperative economy mechanism in rural areas is the focus of rural financial reform.This article mainly concerned with some problems residing in the present rural credit cooperatives.First,it attempts to reconstruct an effective mechanism guiding the development of the credit cooperatives by perfecting the system of legal body management and by making an orderly relations of the title of property.Second,from the perspectives of market orientation and management structure,it discusses how the credit cooperatives efficiently increase their profits.Finally,the article tries to make a new approach for the policy maker,especially for the central bank to help the cooperatives to get rid of the historically accumulated burden and diminish the potential financial risks.