农村信用社产权制度模式及决定因素研究

Study on Property Right system of Rural Credit Cooperatives and Determinants:Based onAHP Model

农村信用社产权制度改革到底是采取股份制还是合作制?现有研究往往是从制度特征和制度运行环境两个因素出发,运用定性研究方法回答这个问题。本文运用层次分析模型定量研究农村信用社产权制度模式选择及决定因素。将"明晰产权"作为产权制度决定模型的目标层;将"农户金融合作行为"、"农信社可持续发展"、"服务三农"和"支持地方经济发展"作为层次分析模型的指标层;"合作制"、"股份制"和"股份合作制"作为产权模型的方案层。结果表明,在经济发达地区农村信用社最优产权模式是股份制,而在经济不发达地区最优模式是合作制。同时,也表明现有农村信用社产权制度改革方向是正确的。

The reform of rural credit cooperatives' property rights in the end is to take stock or cooperative? Existing research is often using qualitative research methods to answer this question from the perspectives of the system characteristics and operating environment.In this paper,we use the AHP model to study the selection of property rights system and determinants.We use 'the clarification of property rights' as the target layer of property system determines model;use 'the farmers financial cooperation behavior','the sustainable development of rural credit cooperatives,' 'the three rural services' and 'the support of local economic development' as the index layers;use 'the cooperation system','the stock system' and 'the stock-cooperative system' as the program layer.The empirical results shows that the qualitative conclusions of existing literature is correct,that is,the stock system is the best property rights system in the economically developed areas,and in the cooperative system in the best mode in the economically underdeveloped areas.It also shows that direction of rural credit cooperatives' property system reform is correct.