县级农合金融机构改制存在的问题及对策建议

The Problems Existing in the Reform of Agricultural Cooperative Financial Institutions at County Level and the Countermeasures

自省级农村信用联社成立以来,虽然农合金融机构发生了翻天覆地的根本性变化,取得了阶段性的改革成果,但全国普遍实行两级法人的省级联社管理体制模式却存在着诸多弊端及问题,导致法理关系模糊,严重制约县级农合金融机构进一步支持"三农"发展。笔者认为只有通过组建较大规模的省级农村商业银行,县级农合金融机构改革发展中存在的不利因素才能得到有效解决,才能进一步加快向现代农村金融企业过渡的步伐。

Since the establishment of the provincial rural credit association,although the agricultural cooperative financial institution has undergone earth-shaking fundamental changes and achieved phased reform results,there are still many drawbacks and problems in universally implementing the provincial associationmanagement systemmodewith two-level legal person in thewhole country,which lead to the fuzzy legal relationship,and seriously restrict the county-level agricultural cooperative financial institutions to further support the development of agriculture,rural areas and farmers.The author believes that only by establishing a larger scale provincial rural commercial bank,can the unfavorable factors existing in the reform and development of county-level agricultural cooperative financial institutions be effectively solved,andthe transitiontomodernrural financial enterprisesbe further accelerated.