白昊明-20121204011049-沧州市农村信用社改革问题研究（参考）.docVIP

毕 业 论 文 学生姓名： 白昊明 学 号: 20121204011049 系别班级： 国际教育学院2012级金融学本科班 专业（方向)： 金融学（合作办学） 题 目： 沧州市农村信用社改革问题研究 指导者： 陈金香 副教授 评阅者： 熊晓轶 副教授 2016 年 4月 15 日 毕业论文中文摘要 沧州市农村信用社改革问题研究 摘要： 农村信用社是促进我国农村金融发展的主要力量，它在几十年的发展过程中，对农村的经济发展起到了重要作用。近几年来农业产业化、商业化趋势的出现，使得我国农村信用社的发展逐渐无法满足农村经济对金融服务的需求，这在很大程度上限制了农村经济甚至整个国民经济的发展。沧州市农村信用社发展过程中存在产权不明晰、法人治理结构欠佳；信用社资金规模较小，农村存款外流严重；信贷能力不足，服务质量缺位；人才资源缺乏，工作人员素质偏低等问题。为了促进沧州市农村信用社更好的发展，加快整个农村经济发展的步伐，本文针对以上问题进行分析，提出对策和建议以防范改革中的风险。 关键词：农村信用社 改革 风险防范 毕业论文外文摘要 Title:Cangzhou Rural Credit Cooperatives Reform Research Abstract: Rural credit cooperative, the main force of China’s rural finance, has played an important role in driving the development of rural economy during the several decades. With agricultural industrialization and commercialization emerging, China’s rural credit cooperative has lagged behind rural economy’s demand for financial service, which gets in the way of boosting rural economy or even national economy to a large extent. China’s reform on rural credit cooperative is challenged by such problems as unclear property right and defective corporate governance, small sums of credit cooperative capitals and serious outflow of rural deposit, scarce credit capacity and deficient service quality, and the lack of talents and poor quality of workers. So as to better advance the development of credit cooperative,accelerate the development of rural economy.The article gives an analysis on these questions and puts forwards countermeasures and suggestions to prevent possible risks in the reform. Keywords：Rural credit cooperative Reform Risk prevention 目 次 1引言................................................................1 1.1研究背景和研究意义...................................................1 1.2文献综述................