农村信用合作社是农村合作金融的具体金融组织形式，农村合作金融以其特有的方式，为农户社员提供金融服务。农村信用合作社已经成为我国农村金融的主力军，在农村金融领域中发挥着重要的作用。本文是从合作金融的基础理论分析入手的，然后详细的描述了我国的农村合作金融发展的历史，研究了农村合作金融在现在发展的现状，接着通过总结我国农村信用合作社的发展状况，找出我国农村信用合作社存在的问题，最后针对其存在的实际问题，探讨了农村信用合作社改革的焦点，提出了相应理论建议。
关键字：农村 合作金融 问题 对策
Abstract
Rural credit cooperatives is specific finance institution of rural cooperative finance, the rural cooperative finance in its own way, for the farmer members to provide financial services. Rural credit cooperatives in China has become the main force in rural finance, the rural finance plays an important role. This article is from the cooperative finance based on theoretic analysis, and detailed description of the Chinese rural cooperative finance development history, research of the rural cooperative finance in the present development status, and then through the summary of China s rural credit cooperative development, find out the problems existing in rural credit cooperatives, and finally the existence the actual problems, discusses the rural credit cooperatives reform focal point, put forward the corresponding suggestion theory.
Keywords: rural cooperative finance problem countermeasure
目 录
摘要…………………………………………………………………… I
1 引言…………………………………………………………………. 1
2 合作金融的概况………………………………………………………… 1
2.1合作金融的定义…………………………………………………… 1
2.2合作金融的特征…………………………………………………… 1
2.3合作金融的原则…………………………………………………… 2
3中国农村合作金融发展中的问题……………………………………………. 2
3.1模糊的产权归属…………………………………………………… 2
3.2监督管理的机构重叠……………………………………………….. 3
3.3治理的结构还不完善……………………………………………….. 3
3.4信贷资产质量差与亏损严重………………………………………….. 3
3.5农村合作金融组织的员工素质和服务水平不高……………………………. 3
4中国农村合作金融发展的对策……………………………………………… 4
4.1我国政府的适当支持……………………………………………….. 4
4.2完善我国农村合作金融的法律体系…………………………………….. 4
4.3加强与各专业化组织之间的合作………………………………………. 5
结语…………………………………………………………………… 5
参考文献……………………………………………………………….. 6
