农村信用社改革和发展问题的反思

Reconsidering Issues on Reform & Development of Rural Credit Cooperatives

农村信用社在中国农村金融体系中居于核心地位。它的改革和发展问题既是金融理论界关注的热点,也是实际工作者争论和疑惑较多的难点。如何对农村信用社的改革给予一个中肯的评价,并从实际出发提出一个切实可行的方案,以提高农村信用社的制度变迁效率、促进农村信用社的发展,是极其重要的。对农村信用社的制度变迁进行概括性的描述,并给予相应的评价,就合作制的企业制度、产权改革、治理结构改造提出一些独到的看法,就农村信用社的改革提出一揽子的方案,对农村信用社发展中的关键问题作一个探讨,是非常有必要的。

Rural credit cooperatives are the core of China' s rural financial system,whose reform and development issues are not only highlights of financial theory community,but also difficult ones,which gain practical disputes and doubts.It is of great importance how to make a proper evaluation to the reform in rural credit cooperatives,and to put up a practical solution desirable for reality so as to improve system alteration efficiency in them and promote their development.It's compulsory to give an outline description to system alteration of rural credit cooperatives with corresponding evaluation,and to put forward some unique ideas on enterprise regime,equity reform and governance structure transformation of cooperative system,and to propose an over-all solution to rural credit cooperatives