论农村信用社的产权制度改革

The view on the country credit cooperative' s reform of pioperty right system

农信社改革的目的是要使它成为社区性地方金融机构,更好地为“三农”服务;农信社改革任务的重中之重在于产权制度改革。鉴于我国农村经济和社会发展极为不平衡的状况,农信社要因地制宜实行产权形式多样化和股权结构多元化。在较为发达的地区可以组建股份制的农村商业银行,在较为落后的地区可以进行合作制或者股份合作制的农信社产权制度改革。解决历史包袱问题是农信社产权制度改革顺利进行的必要条件。

The aim of reforming the country credit cooperative is to make it become a community finance institution, serving the country much better; the most important duty of reform the country credit cooperative is reform the property right institution. In view of the extremely imbalance developing situation of the country' s economy and society, country creditco-operative should carry out the manner of property right diversification and bonus right structure diversify, it must suit measures to local conditions. In developed region, joint - stock country commercial bank can be set up; in less developing region , we can implement the reform the country credit cooperative property right of coorperative or bonus coorperative. To solve the history load is the necessary condition of smoothly reforming the country credit property right system.