我国农村信用社产权制度改革研究.doc

我国农村信用社产权制度改革研究 摘要：长期以来,农信社以服务三农为己任,在支农过程中发挥了一定作用,但是步入20世纪90年代与农行脱钩后历史包袱沉重,非生息资金占比例大,历年挂账亏损难以消化,加之地方政府基层的干涉以及缺乏有效的监管机制,经营风险日趋暴露。时至今日,农信社已出现大面积亏损,信用社改革迫在眉睫,而我国农村信用社改革的关键则是其中的产权制度改革。产权是个人或组织的一种受保护的权利，它包括占有、使用、处分和收益四项权利，产权决定着财产运用上的责任和收益。而我国目前产权制度不明导致了一系列的问题，如产权制度残缺，产权虚置，产权主体错位等等。诸上的问题将导致信用社治理结构无效。产权不明是阻碍农村信用社发展的根本原因，产权制度是通过法律、规章等对有关产权的各种行为做出的系统性安排。Abstract: A long time, the rural credit cooperatives to serve the agriculture mission, in the agriculture played a certain role, but the 20th century into the 90s with the ABC after decoupling the heavy historical burden, non-interest-bearing account for the proportion of funds, and calendar year loss difficult digestion, in addition to the grass-roots level of local government interference and lack of effective monitoring mechanism, the increasing exposure to operational risks. Today, the rural credit cooperatives has been a loss of large areas, the imminent reform of credit cooperatives, rural credit cooperatives in China is one of the key reform of the system of property rights. Property is an individual or organizations right to protection, which includes the possession, use, dispose of rights and benefits of the four property rights determine the responsibility of the use of property and earnings. In China, not the current system of property rights led to a series of issues, such as the incomplete system of property rights, purchase virtual property rights, property rights and so the main dislocation. All problems will lead to ineffective management structure of credit cooperatives. Unclear property rights of rural credit cooperatives that have hindered the development of the root causes of system of property rights through laws, regulations, etc. of the property made by the various acts of systematic arrangements. As the main force in rural finance, rural credit cooperatives reform the relationship between the success or failure of the three rural Building the effectiveness of the state attaches great importance to the