临沂思路:农村信用社的外部监督与体制内改革

The External Supervision and the Internal Reform of Rural Credit Cooperatives

本文针对当前农村信用社改革的焦点和难点问题 ,从临沂市的实践 ,提出了“以监管促改革、以定位促发展”的基本思路。当前农村信用社存在的主要问题不在于机构体系和目标模式的不合理 ,而在于本应坚持的为“三农”服务的方向没有得到有效坚持 ,本应强化的监管流于形式。因此 ,从临沂市的实际操作看 ,农村信用社在现有制度框架内 ,通过相对较小的结构调整 ,完全可以摆脱困境 ,既实现服务于农村经济发展的国家大目标 ,又可以实现自身扭亏增盈的机构与行业小目标。反之 ,在缺乏有效目标和监管保证的前提下 ,任何改革可能都是无效的。

This paper puts forward the basic idea that to reform the rural credit cooperatives by supervision and to develop it by market location on the basis of observations on the rural cerdit cooperatives′ development in Linyi city.The experience in Linyi shows that a relatiely slight stuctural adjustment in current institutional framework may enable the rural credit cooperatives be profitable and fulfill the objectives of severing for the agricultural development endowed by the government simultaneously.On the contrary,any reform will be inefficient without pracitical targets and sufficient supervision.