农村信用社产权制度改革的进一步研究

A Further Research on the Property Right System Reform of Rural Credit Cooperatives

我国农村信用社产权制度创新仍需取得突破性进展。农村信用社产权是复合产权而非一元产权;存款化股金制度不应纳入农村信用社产权制度模型;农村信用社的入社自愿、退社自由的原则需进一步修订和完善;应允许其他金融机构入股、兼并或重组农村信用社,并积极鼓励外资银行参与入股;突破政策限制,允许部分地区政府试点参股农村信用社。

The property right system innovation of the rural credit cooperatives（RCCs） of our country still needs a breakthrough. The property right of rural credit cooperatives is a composite one rather than a single one; the system of treating savings as money paid for shares shouldn＇ t be brought into the property right system model of the RCCs ; the principles of volunteerto enter into and withdraw freely from the RCC need further revision and improvement ; other financial institutions should be allowed to invest in, merge and restructure the RCCs, especially foreign banks should be encouraged to become shareholders of the RCCs; the limitations of policy should be broken to allow some regional governments to make experiments to be the shareholders of the RCCs.