农村信用社改革的难点思考

Some Thoughts on the Difficulties for Rural Credit Cooperative Reform

近年来,农村信用社的改革发展取得了一些进展,但也必须看到,其在进行市场化、商业化改革中出现了诸多的新问题、新矛盾。例如,信用代办站的撤销给农民的存取款带来了极大的不便,农村信用社立法已刻不容缓,农村金融市场的开放将会对农村信用社带来巨大的冲击风险等。因此,有关各方应为农民提供便捷的金融服务,尽快研究建立统筹城乡发展的金融体制,确定合理的“三农”贷款利率,给予农村信用社以公益法人、免税团体的待遇,加快制定《合作金融法》,建立互助合作金融体系,完善和改革省联社和县联社体制和县联社、基层信用社的经营管理机制,进一步简化和修改《农村资金互助社示范章程》,促进农村信用社的改革。

In recent years, there are some advances in the reform and development of rural credit cooperatives. But the new problems and new contradictions emerge in the course of market - orientation and commercialization reform, for example, cancellation of credit representatives has brought peasants great inconvenience; legislation for rural credit cooperatives has become urgent; opening up of rural financial market will bring rural credit cooperatives great assaulting risks, etc. Therefore, some related parties should offer convenient financial services for the peasants, quickening to research establishment of a financial regime planning as a whole the rural and urban development ; setting reasonable loan interest rate for ＂agriculture, peasant and countryside＂, giving rural credit cooperatives a treatment of commonweal legal person and taxation - exempted bodies; quickening to formulate Law of Cooperative Finance for establishment of mutual cooperative financial system, improving and reforming the regimes of the provincial cooperative society and the county cooperative society, and operation mechanism of grass - rooted credit cooperatives and county cooperative society, further simplifying and revising Model Charter for Rural Fund Mutual Society so as to accelerate rural credit cooperative reform.