农村金融改革背景下我国农村信用社发展问题研究.docxVIP

农村金融改革背景下我国农村 信用社发展问题研究 农村金融改革背景下我国农村信用社发展问题研究 以长治县农村信用合作社联合社为例 摘要 农村信用社是农村金融体系的重要组成部分，是农村金融体制改革的客观 要求，是农村经济可持续发展的客观需求。但伴随着我国新农村建设的不断深 入以及农村经济的持续发展，作为主力军的农村信用社却未能跟上时代发展的 步伐。因此在进一步的农村金融深化改革中，特别是在新型城镇化建设过程中, 农村信用社怎样充分发挥其职能作用，怎样在改革中解决制约农信社发展的自 身问题，以及怎样转换农信社的经营机制，打造现代流程银行，实现自身的可 持续发展和满足新型城镇化建设要求是当前迫切需要解决的难题。 本课题首先从我国农村金融入手，对农村金融存在的问题进行剖析。其次 通过对农村信用社的基本概念和发展历程进行介绍，垂点分析了我国农村信用 社目前的改革现状及现存的主要问题。然后在借鉴外国发达国家农村合作金融 发展经验基础上，探讨我国农信社的内部管理、体系建设以及将来的发展模式。 最后以长治县农村信用合作社联合社为例，通过对长治县农信社运行的内部矛 盾进行系统深入的分析，具体探索农信社体制改革的不足和创新的路径。 关键字：农村信用社，农村金融，金融改革，可持续发展 Development Issues of Chinas Rural Credit Cooperatives inthe Background of Rural Financial Reform xample for Changzhi County Rural Credit CooperativeUnion ABSTRACT Rural credit cooperatives are the important part of rural financial system. And the reform of the rural flnancial system requires the development of Rural Credit Cooperatives Objectively, Meanwhile the rural credit cooperatives are the objective need for building new socialist rural areas. But with the development of the new rural construction and the rural economy, the main force of finance of rural credit cooperatives cannot play a role sufficiently. Therefore in the further reform, the current urgent difficulty to solve includes : how to display its function achieve agriculture , how to improve the restricted problems of the rural credit cooperatives ,how to shift operation mechanism, how to build modem process bank and how to realize the sustainable development. This topic first obtains from our country rural finance, analyze the problems existed in the rural finance. Secondly based on the basic concepts of the rural credit cooperatives and introduces the development course, analyzed the reform of rural credit cooperatives at present in China present situation and the existing main problems. Then in the rural cooperative financial development experience of foreign developed countries for reference, based on the discussion of Chinas rural credit cooperatives internal man