广西新型农村金融机构研究——基于广西组建农村合作银行的实践

The Research on New Rural Financial Institutions in Guangxi——Based on the Practices of Establishing Rural Cooperative Bank

广西农村合作银行在组建与运营的实践过程中,股权结构分散、股权流通机制不畅、"三会"制度不完善、金融创新能力不强、内控制度执行力度不够、服务手段与功能上存在缺陷。因此,建议对新建立的农合行在产权制度改革中健全股权管理制度和优化股权结构,在经营管理上建立激励经营机制,加大内控制度的执行力度,在服务领域、手段和品种上进行创新,从而实现农合行的科学可持续发展。

In the practical coursal of establishment and management, Guangxi rural cooperative bank still has disadvantages in many aspects： separating and circulating limit in property rights, faultiness in the system of ＂3 committee＂ , weak power of financial innovation , unsuccessful implement in interior control system, limitations in means and functions of services, etc. Hence, the author of this thesis suggests that Guangxi rural cooperative bank should perfect the management system of property rights, optimize the structure of the property rights in the reform, establish inspiriting management system and effectively strengther interior control system; innovate in the domains, measures, varieties of financial services. Thus the Guangxi rural cooperative bank can develop scientifically and persistently.