摘要
改革开放以来,我国农村合作金融组织的演变轨迹使其组织上的群众性、管理上的民主性和经营上的灵活性特征逐渐淡化,在股份制改革的整体浪潮下日渐边缘化。农村合作金融能有效添补商业银行与政策性银行的功能空缺,将成员闲散化的资金和信用联合,解决其实际的融资需求,因此有必要通过法制改进的形式促进农村合作金融的再生。从外在监管环境来看,应当建立农村合作金融单一类别的监管体系,改变其依附于商业银行监管体制的现状;从内在组织结构来看,应当构建起适合农村合作金融机构的法人治理结构,将其人合性与资合性要求相联动,并应对农村合作金融机构的主要业务进行引导和控制,确保其以满足成员涉农信贷需求为主。
Since the reform and opening up,the evolution of China＇s rural cooperative financial organizations has gradually weakened its characteristics of mass,democracy and flexibility.Under the overall wave of shareholding reform,rural credit cooperatives and other financial cooperation organizations will become increasingly marginalized and even may die.Rural cooperative finance can effectively fill the functional vacancies of commercial banks and policy banks,combine idle funds of the members and credit,the zero for the whole to satisfy their needs of financing.Therefore,it is necessary to improve the form of rural cooperative finance through the legal system to promote the reproduction of rural cooperative finance.From the external regulatory environment,a single category of rural cooperative finance regulatory system is a must to change its dependence on the status of commercial banking regulatory system;from the internal organizational structure,a corporate governance structure suitable for rural cooperative financial institutions is a necessity to link the requirements of cooperative system and shareholding system,and to guide and control the main business of rural cooperative financial institutions to ensure that they meet the needs of members of agriculture-related credit.
出处
《山西农业大学学报（社会科学版）》
2018年第2期1-6,共6页
Journal of Shanxi Agricultural University:Social Science Edition
基金
中央高校基本科研业务费专项资金资助项目(2662016QD048)
关键词
供给侧改革
农村合作金融
农村信用社
合作制
股份制
Supply side reform
Rural cooperative finance
Rural credit cooperatives
Cooperative system
Sharehold-ingsystem
