毕业论文----- 论我国农村信用社股权及法人治理结构改革

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1、 1 论我国农村信用社股权及法人治理结构改革 摘要：农村信用社作为我国基层金融组织，为农村经济发展提供了最重要的 资本要素，对破解三农问题，建设社会主义新农村发挥着不可替代的关键作用。 但由于我国农村信用社产权主体不明晰、法人治理结构不完善等原因，使得其经 营效益恶化，不良贷款比重加大，支农作用难以有效发挥。因此解决我国农村信 用社目前所存在的问题，对建设社会主义新农村，解决三农问题起着举足轻重的 作用。本文针对目前我国农村信用社股权及公司治理结构中存在的问题，包括产 权主体不明确、股权结构过于分散、缺乏完善的制衡机制及激励约束机制等，进 行了剖析， 并在介绍经济发达地区农村信用社股权及法人治

2、理模式成熟经验的基 础上，提出解决途径，以达到构建我国农村信用社合理的股权结构及法人治理结 构的目的。 关键词：农村信用社；公司治理结构；内部人控制 Abstract: As the grass-roots financial organizations, Chinas rural credit cooperatives has provided the most important capital for the development of the rural economy. It plays an irreplaceable key role to solve the crack sa

3、nnong problem and building a new socialist countryside. However, because of the lack of clarity of property rights and the imperfect corporate governance structure, The profit of rural credit cooperatives of China deteriorated and the non-performimg loans increased. Therefore, It (to solve all these

4、 problems) plays a decisive role to solve the sannong problem and the building of new socialist countryside. In this paper, The author analysised the problems of the Ownership Structure and corporate governance structure of Chinas rural credit cooperatives, such as the unclear property rights, too dispersed ownership structure, lack of proper checks and balances mechanism and the incentive and restriction mechanism. The author also proposed solutions by introducing the good Ownership Structure