我国农村金融组织管理体制的缺陷及治理

【作者】 范征；

【导师】 岳意定；

【作者基本信息】 中南大学 ， 工商管理， 2004， 硕士

【摘要】 20世纪90年代以来，我国农村经济发展迅速，农业产业结构调整不断加快，对农村金融服务提出了更高的要求。然而，我国目前农村金融制度的改革相对滞后，农村金融业的功能还比较弱小，在一定程度上制约了农村金融乃至整个农村经济的发展：农村金融组织的资金供给能力较小、提供的金融服务品种较少、服务水平较低，许多农户望钱兴叹，多元化的金融需求也得不到满足。对此，人们不难找出一些原因：中国农业银行调整发展战略，收缩农村信贷，仅保留部分黄金客户；农村信用合作社规模太小且大多处于亏损状态；中国农业发展银行仅在粮棉油收购资金等狭小领域内发挥作用等等。但是，这些都只能从表面上解释当前中国农村金融供需矛盾，要探寻出其中更深层次的原因，并从中得出切实有益于今后中国农村金融改革的启示，应该从管理体制分析入手。 本文以教育部人文社会科学研究项目：《我国农村金融组织体系的缺陷及其治理》为课题来源，试图用路径依赖理论解释和分析我国农村金融组织管理体制存在的缺陷，并提出相应的治理措施。本文首先归纳和分析了我国农村金融组织管理体制的变迁历程和现状，在此基础上对路径依赖理论进行了阐述；然后剖析了农村金融组织管理体制的缺陷，主要包括农村金融组织的产权制度与治理结构、组织制度、监督管理制度等方面的缺陷，并从宏观的角度分析了这些缺陷对农村经济发展产生的制约。最后，在这些分析的基础上，着重阐述从产权制度、组织制度、监督管理制度三个方面对农村金融组织管理体制进行治理，归纳出有关农村金融组织管理体制缺陷治理的结论。更多还原

【Abstract】 Since 1990’s, The rural economy of our country is developed rapidly, Agricultural industrial structure adjustment is accelerated constantly, Propose high request to rural financial service. However, at present monetary system relative to lag behind reform rural our country, financial circles relatively small and weak even function rural, Have restricted the development of the rural finance and even whole rural economy to a certain extent: Rural supply ability relatively little, less relatively low service level variety financial service that offer by fund who finance organize, A lot of peasant households hope that the money is revitalized and sigh, Satisfied that the financial demand of the pluralism can not be gotten either. As to this, it is not difficult for people to find out some reasons: Agricultural Bank of China adjusts the development strategy, shrinks rural credit, only keep some gold customers: Too little to and mostly in the state of losing scale Countryside Credit Cooperative: Only at grain and cotton oil purchase Agricultural Development Bank of China fund wait for narrow and small fields function etc.. However, all these can only explain the present China’s rural financial imbalance between supply and demand from surface, It wants and seek and publish dark the reasons of levels among them draw and of value to rural of China financial the enlightenments of reforms in the future conscientiously from it, Should start with analysing in management system.This text regards research project of Ministry of Education’s humanesocial science as the subject source:《The defect and governance of rural financial organizational system in our cour country》, Attempt and rely on theory explain and analyse of our country rural organize defect who management system have by finance with route, And put forward the corresponding administration measure. This text sum up and present situation of our country rural organize the changes course and characteristics of management system by finance at first, Rely on theories to be been explained the route on the basis of this: Then analyzed the rural finance defect of organizing management system, Include rural organize system, supervise management system, etc. the defects of respect, at structure of managing by property right system who finance organize mainly, And has analysed from the angle of the macroscopic that these defects are to the restriction emerging in rural economic development. At last, on the basis of the analysis, Explain, organize system, supervise management system organize management system to be managed to the countryside finance by three a piece of respects emphatically, Sum up and offer the conclusion that relevant rural finance organize the management system defect to manage .更多还原