试析农村信用合作社改革的四大误区

On Four Mistaken Ideas in the Reform of Rural Credit Co-op

农村信用合作社改革的终极目的是构建服务于农业、农村、农民的金融服务体系,目前的改革进展与趋势在产权制度安排、管理体制与组织机制设计、利益分享等方面存在一系列认识和实际运作误区。农信社股份制改革模式有背离服务"三农"的倾向,中央与地方政府双层管理可能面临地方财政风险和道德风险问题,省级信用合作联合会不宜代行政府管理职能,农信社分红水平过高导致管理层与一般社员的角色冲突。农村合作金融有其内在优势,农村金融业风险未必大于城市和工业领域,在农信社机构改革中要坚持"存量"改革与"增量"发展并重,促进内生化合作金融组织的涌现。

The final aim of the reform of rural credit co-op is to establish a financial system to serve agriculture, the countryside and farmers. There are a series of long-standing mistaken ideas of knowledge and its practical operation in the present reform progress and tendency in respect of the rural credit co-op's property right, management system and the organizational mechanism design,the share of the interests,etc.The pattern of the stock-holding system reform has a tendency of deviating from serving'three agriculture problems'.The dual management of the central and local governments would probably face local fiscal risk and moral hazard problems. It is not suitable for the provincial credit co-opto union to assume the government's supervision function.The too high level of the dividend has caused the confliction of the role between the administrative personnel and the common members.The rural cooperative finance has its intrinsic advantages.Its risk is not necessarily bigger than that of the city and industrial area. In the process of the reform in the organization of rural credit co-op same importance should be attached to the stock reform and the increment development in order to promote the development of endogenous cooperative financial organizations.