我国农信社体制改革探讨

Research on Reform of Rural Credit Cooperatives System in Our Country

我国农村信用合作社作为我国金融市场的一员,经过近50多年的持续发展,在中央银行“花钱买机制”的外部引导及内在发展要求的双重作用下,正逐步成为最具有本土意识及网点优势的现代金融机构,但在农信社的改造过程中,由于产权制度、法人治理、内控、资产管理等方面改革的不彻底,使今日农信社的经营及持续发展受到约束。本文对农信社自身体制方面的问题加以分析,并寻求相应的解决办法。

When the Central Bank proposes “to buy the mechanism” and they require development themselves, rural credit cooperatives as a member of financial market in our country, through more than 50 years＇ sustainable development, are becoming modern financial institutions with native--consciousness and advantages of widespread customers. Unradically reform of property system, corporate controlling, internal controlling and assets managing, leads to failure of management and sustainable development in rural credit cooperatives today .This article analyses the problems of system of rural credit.cooperatives itself and tries to provide solution to them accordingly.