改革中求发展:农村信用合作社股份制改造个案研究——以常熟市农村信用合作社改制为例

A Case Study of Shareholding Reform of Rural Credit Cooperatives

本文以江苏省常熟市农村信用合作社改制为农村商业银行为例 ,对我国经济发达地区农村信用社改革进行全面的跟踪和研究。文章认为 ,常熟农村信用社改制是适应当地社会经济发展的要求和加强自身建设增强竞争力的要求。但是改制后的农村商业银行依然存在经营多元目标的冲突、支农信贷难以解决以及产权结构与法人治理结构还欠规范等问题。为进一步完善农村商业银行体制并使其稳步发展 ,文章提出 ,应确立农村商业银行现代企业的定位 ,按现代企业制度的要求建立内部运行机制和法人治理结构 ;加强农村商业银行内部管理制度和外部监管制度建设 ,以提高风险防范能力 ;建立农村发展基金 ,解决支农信贷问题。

In this paper, the transformation from the Rural Credit Cooperative to the rural Commercial Bank in Changshu of Jiangsu is taken as a case to trace and analyze the Rural Credit Cooperative reform in the relatively developed regions. The study shows that the transformation meets the financing requirement by the local social and economic development as well as strengthening the cooperative's competitive ability itself. However, some problems still exist even after the reform, such as the conflict among the multiple goals in the new bank's operation, the availability of agricultural credit, imperfect property right structure and corporate governance and so on. To solve these problems and to have steady development for the bank, the followings should be done. The Rural Commercial Bank should be taken as modern enterprises so that an efficient internal operation mechanism and corporate governance will established. The institutions both for internal management and external supervision for the bank are necessary so to strengthen the ability to prevent bank9ing risks. A rural development find for the regions is suggested to support local farmers and agricultural activities financially.