浅议我国农村信用社改革中的委托-代理问题

Discussion about the Problem of Principle-Agent in Rural Credit Cooperatives of China

农村信用社改革是农村金融体制改革的“重头戏。文章运用委托-代理理论构建模型对地方政府和农村信用社的关系进行分析,认为我国的农村信用社应进行股份制改造,实现市场化运作,完善监督机制。

The reform of rural credit cooperatives is the emphasis in the reform of rural financial system. In this paper, the author sets a model to analyze the relationship between local government and rural credit cooperatives with the Principle-Agent Theory, and advises that rural credit cooperatives should carry out share-holding upgrading, achieve marketing operation, finish the supervising mechanism.