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1、农村信用社公司治理的缺陷及改进对策;摘要:农村信用社是我国金融机构的重要组成部分之一。随着近年来金融机构改革的深入,农村信用社的内部治理机制已初步形成,但仍存在很大的缺陷。本文在界定农村信用社公司治理内涵的基础上,分析了现行体制下农村信用社存在的经营目标冲突、政府行政干预、所有者缺位等主要缺陷,从明确改革最终目标、建立中小金融机构存款保险制度、完善“三会”制度、建立和发展县级产权交易市场等方面提出了完善农村信用社公司治理结构的思路和政策建议。;关键词:农村信用社;公司治理;股份合作制;我国农村信用社(以下简称“农信社”)成立于20世纪50年
2、代初期,其间历经多次改革。随着国家对“三农”问题的重视以及国家实现社会主义新农村政策的实施,农信社改革再次成为人们关注的重点和热点。2003年6月国务院颁布《深化农村信用社改革试点方案》(以下简称《方案》),明确指出:把农信社逐步办成由农民、农村工商户和各类经济组织入股,以“三农”为经营方向的社区性金融机构,强调“按照市场经济规则,明晰产权关系”organizationsystemandworkingmode,theselectionofanumberofmunicipalstrengtheninggrouptobuildinnovatio
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