【作者】 董宏宇；

【导师】 薛誉华；

【作者基本信息】 苏州大学 ， 金融学， 2006， 硕士

【摘要】 随着我国农村信用社改革的不断深化，有必要对已改制的农村信用社作一番调查研究，然后得出一些成功的经验，或总结改制中存在的问题，然后寻求一种可行的解决方案，从而为正在改制的农村信用社提供事实依据和理论借鉴，尽可能让他们少走弯路，力争一步到位。本文在对农村金融理论进行回顾的基础上，借鉴国外农村金融发展的经验，对目前我国农村信用社改革中的两种模式——农村商业银行和农村合作银行着重进行了调查、研究，分析、比较了在经济发达地区组建农村商业银行或合作银行的可行性和必要性。本文着重以吴江农村商业银行和鄞州农村合作银行为例，通过对他们基本情况的调查，在经济金融环境、经营范围、资本结构、组织结构和经营绩效方面进行了初步的比较，研究其模式选择的原因。事实证明：无论采用何种模式，都必须根据自身的基础、条件及当地的经济金融环境来决定。调查后发现，农村信用社普遍存在的问题是，改革模式缺乏理论依据、发展战略不明确、市场定位不准及经营管理体制落后。针对这些问题，本人着重从市场定位和发展战略两方面提出了一些初步的意见，虽然农村信用社在改革中暴露出一些无法预测的问题，但只要紧紧抓住改革管理体制、完善治理结构、转换经营机制、改善经营绩效这几个中心环节，准确地进行市场定位，确立切实可行的自身发展战略，最终就一定能将自身打造成资本充足、内控严密、运营安全、服务和效益良好，具有竞争力的现代化股份制商业银行。本文拟在调查、分析、比较的基础上提出农村商业银行和农村合作银行的市场定位及发展方向，为进一步深化农村信用社改革提供一些有益的启发和帮助。更多还原

【Abstract】 With the further reform of Rural Credit Cooperative in our country, it’s necessary to make a thorough investigation into the reformed Rural Credit Cooperative. Experiences of success and lessons of failures can be found and offered to those who are conducting reform work. A practicable settlement will be sought for those are reforming.On the basis of review about theory on rural finance and with reference to the experience of foreign development in rural finance, two models in present reform—rural commercial bank and rural cooperative bank have been investigated, researched and analysed. Comparisons have also been made between Wujiang Rural Commercial Bank and Yinzhou Rural Cooperative Bank. With the help of the definition of cooperative finance and within the frame of practical economic surrounding, I analyzed the feasibility and necessity of the establishment of Rural Commercial Bank and Rural Cooperative Bank in developed areas.Take Wujiang Rural Commercial Bank and Yinzhou Rural Cooperative Bank as examples, the financial and management reports of the year 2005 are demonstrated. Comparisons are made between these two banks in economic financial environment, corporate governance, financial index, service development, risk management and corporate culture. Then the reason of option for the model has been studied and respective analysis and a whole comment have been made. Facts show no financial and economic environment. Investigations show the common problems existing in the reform of Rural Credit Cooperative are lack of theoretical basis, clear development strategy, precise market location and advanced management system. Preliminary suggestions are put forward according to these problems. Unpredicted issues will appear in the reform, but if special attention is paid to these steps such as management system, corporate governance and management achievements, a modern competitive commercial bank will be finally made. On the basis of these analyses, opinions on market location and development direction of these two reforming models have been put forward in order to provide some helpful inspiration for the reform work of Rural Credit Cooperative.更多还原