浅析农信社转型农商银行的问题及对策.doc

浅析农信社转型农商银行的问题及对策 专业：金融学 申请者：金程露 指导老师：林俊国 中文摘要 本文以农村信用合作社向农村商业银行转型为主线，介绍其体制改革的背景、改革至今的效果和改革的意义。虽然转型已经取得了阶段性成果，但是也暴露出了许多问题，文章对这些问题深入分析，提炼问题的突破点。随后引入国内外案例，分别是美国农村信用系统和江苏江阴农村商业银行，介绍两者的结构，对两者的运行机制、经营管理模式做简要分析。最后在之前陈述的基础上，提出对我国农村信用合作社转型农村商业银行有可行性的建议，概括的讲，主要是： 公司治理机制，产权制度，经营理念，风险管理和创新服务这几点。 关键词 ：农村信用合作社， 农村商业银行， 转型 analyze the transformation of rural credit cooperatives farmers business problems and countermeasures of the bank ABSTRACT Based on the transformation of rural credit cooperatives into rural commercial bank as the main line,the paper introduces its system reform background, since the reform effect and the meaning of the reform. Although transformation has made some progress, but also has exposed many problems, the article in-depth analysis of these problems, the breakthrough of refining the problem. Then introducing cases at home and abroad, respectively is the rural credit system and the Jiangyin, Jiangsu rural commercial Banks, introduces the structure, the operating mechanism and management pattern of the two do a brief analysis. Finally on the basis of the statement before, put forward to the transformation of rural credit cooperatives in our country rural commercial bank has feasibility suggestions. General speaking, the main is:Corporate governance mechanism, property right system, management concept, risk management and innovative service. KEY WORDS :rural credit cooperatives, rural commercial Banks, transformation 目 录 引言............................................................. 农信社转型为农商银行的背景............................. 1、农信社和农商行的概念理解及农信社的改革回顾....................... 2、农信社转型为农商行的基本现状....................................... 3、农信社转型为农商行的意义......................................... 我国农信社转型农商行面临的问题................................. 历史包袱沉重，产权制度不完善................................ 管理机制不完善，股金稳定性差，外部股东作用发挥不充分............. 资本充足率、不良资产率和不良贷款率等指标未达标.................... 经营机制有待转换............................................ 5、风险防控能力薄弱.......................