我国农村信用社发展现状研究

我国农村信用社发展现状研究

中国农村信用社发展现状研究-以柯城农村信用社为例

摘要

柯城农村信用社当前已改革为柯城农村商业银行，成为衢州市的金融巨头，信用社的改革必然会为三农做出更多的贡献，推动农村的经济发展，改革以后信用社的明天将会越来越美好。

农村信用社随着信用社改革对于农村的发展起着越来越重要的作用，从当前来看，中国农村信用社无论从增资扩股完成票据发行还是法人治理结构、经营机制都在不断进步，可是，也存在着一些具体的问题，本文希望经过对柯城农村信用社改革的具体分析，对中国农村信用社现状及存在的问题进行分析，并在此基础上提出对策和建议，不但对柯城农村信用社有现实的指导意义，对于其它类似的农村信用社的改革和发展也能起到相应的借鉴作用。

本文经过柯城农村信用社改革以来的经营策略分析，包括宏观环境和策观环境的研究，分析了中国农村信用社的改革方式及改革后的成果，并对中国农村信用社改革提出建议我意见，包括加快合作金融立法进程，建立农村信用社健康发展的保障机制和尽快落实对农村信用社的扶持政策。

关键词：农村信用社柯城信用社改革

Abstract

Kecheng rural credit cooperatives has reform Kecheng rural commercial bank, Quzhou city to become the financial giant, reform of credit cooperatives will contribute more to agriculture, promote rural economic development, reform of credit cooperatives will be more and more beautiful.

Rural credit cooperatives with the reform of the credit cooperatives play a more and more important role in rural development, from the current point of view, China's rural credit cooperatives in terms of capital increase Kuogu bill issued corporate governance structure, operating mechanism are in progress, however, there are some specific problems, this paper hopes through the analysis of the specific the reform of city of rural credit cooperatives, the present situation of China's rural credit cooperatives and the analysis of existing problems, and puts forward countermeasures and suggestions, not only has the reality guiding sense to the city of rural credit cooperatives, for the reform and development of rural credit cooperatives and other similar to the corresponding reference.

The reform of rural credit cooperatives since Kecheng business strategy analysis, including the macro environment and policy environment, analysis of China's rural credit cooperatives reform and the reform achievements, and propose my opinion on the reform of China's rural credit cooperatives, including speeding up the process of legislation of cooperative finance, establish security and health the development of rural credit cooperatives as soon as possible to rural credit cooperatives support policies.

Keywords: rural credit cooperatives reform Kecheng credit cooperatives

目录

摘要 (2)

Abstract (3)

一、绪论 (6)

（一）研究背景 (6)

（二）研究目的及意义 (7)

（三）研究方法 (7)

二、柯城信用社基本情况概述 (8)

（一）公司简介 (8)

（二）股东背景 (8)

（三）农村信用社的业绩 (9)

1.往年业绩 (9)

2. 以来的业绩 (10)

三、柯城农村信用社经营策略分析 (13)

（一）宏观环境 (13)

1.资产质量差，历史包袱沉重 (13)

2.关系不明晰，法人治理结构不完善13

3.三种职能集于同一主体，导致履职目

标与职能的冲突 (14)

（二）微观环境 (15)

四、中国农村信用社的改革 (16)

（一）农村信用社的改革方式 (16)