1、 I 题目：我国农村信用合作社金融的发展研究 摘要摘要 农村信用合作社是目前我国农村金融中一支不可忽视的主力军， 它立足于农 村，服务于农民，为农村经济的发展作出了重要的贡献。随着农村市场经济的深 层次发展，传统自给的农业生产已向市场集约型的商品社会化生产转轨，然而农 村信用社现有的结构、 资金营运及经营管理很不适应这种客观形势的发展， 因此， 农村合作金融体制改革势在必行。 本文在对农村合作金融产权制度进行一般性考 察的基础上，根据实际调查的结果，对我国农村合作金融产权制度的现状和缺陷 进行描述和分析，指出合作金融产权制度在我国农村没有得到真正确立，是导致 农村信用社现阶段出现各种问题的根源
2、。对产权制度进行彻底改革，是解决农村 金融体制改革的核心内容。在现阶段和今后较长时期内，合作金融是适应我国农 村经济发展要求的主要金融形式，因此，确立真正的合作金融产权制度是改革的 关键。在主体产权框架之外，其他形式的产权改革尝试也应该允许进行。 II Abstract The rural credit cooperative is a main force that can not be ignored in the rural finance of our country. It is based on the country, serving for the farmers, and h
3、as made important contributions to the development of the rural economy. With the deep development of the rural market economy, the traditional agricultural production has been to the intensive production of the market, but the existing structure, capital operation and management of rural credit coo
4、peratives are not adapted to the development of the objective situation. Therefore, it is imperative to reform the financial system. Based on the general investigation of rural cooperative financial system, this paper describes and analyzes the current situation and defects of the property right system of rural cooperative financial system in China. Thorough reform of property right system is the core content of the reform of rural financial system. At the present st
