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1、（工商管理硕士） 大兴安岭农村信用社改制为农村商业银行 存在的问题及对策研究 THETHETHETHE PROBLEMSPROBLEMSPROBLEMSPROBLEMS A A A ANDNDNDND C C C COUNTERMEASURESOUNTERMEASURESOUNTERMEASURESOUNTERMEASURES OFOFOFOFTHETHETHETHE REFORMREFORMREFORMREFORM FROMFROMFROMFROM DAXINGANLINGDAXINGANLINGDAXINGANLINGDAXINGANLING RURALRURALRURALRURALCRE
2、DITCREDITCREDITCREDIT COOPERATIVESCOOPERATIVESCOOPERATIVESCOOPERATIVES TOTOTOTO RURALRURALRURALRURAL COMMERCIALCOMMERCIALCOMMERCIALCOMMERCIALBANKBANKBANKBANKS S S S 贾春静贾春静 2020202011111111 年年 9 9 9 9 月月 国内图书分类号：F840.32学校代码：10213 国际图书分类号：658密级：公开 工商管理硕士学位论文 大兴安岭农村信用社改制为农村商业银行 存在的问题及对策研究 硕士 研究生： 贾春静 导
3、师： 曲世友教授 申 请学 位： 工商管理硕士 所 在 单 位： 大兴安岭银监分局 答 辩 日 期： 2011 年 9 月 授予学位单位： 哈尔滨工业大学 Classified Index: F840.32 U.D.C.: 658 A Dissertation for the Degree of MBA THE PROBLEMS AND COUNTERMEASURES OF THE REFORM FROM DAXINGANLING RURAL CREDIT COOPERATIVES TO RURAL COMMERCIAL BANKS CandidateCandidateCandidateCan
4、didate：Jia Chunjing SupervisorSupervisorSupervisorSupervisor：Prof. Qu Shiyou AcAcAcAcademicademicademicademicDegreeDegreeDegreeDegreeAppliedAppliedAppliedAppliedfofofofor r r r： MBA AffiliationAffiliationAffiliationAffiliation：China Banking Regulatory Commission Regulation Branch Daxinganling DateDa
5、teDateDate ofofofof DefenseDefenseDefenseDefense：September, 2011 Degree-Offering-InstitutionDegree-Offering-InstitutionDegree-Offering-InstitutionDegree-Offering-Institution： Harbin Institute of Technology 哈尔滨工业大学工商管理硕士学位论文 - I - 摘 要 农村信用社的产权制度改革是当地经济社会发展和加强自身建设增强竞 争力的要求，也是促进信用社走可持续发展道路的要求。在全国农信社改革
6、的大潮下，黑龙江省农信社改革工作走在了全国后列，直至 2010 年 12 月 28 日，全省第一家农村商业银行大兴安岭农村商业银行股份有限公司才得 以挂牌成立，其作用和意义是不可言表的，对于促进我省农村信用社健康、 稳定、持续发展具有重要的理论意义与实践价值。 本文从当地信用社改革改制为商业银行的必要性为出发点， 从国家政策、 林区经济转型、省联社产权制度改革规划三个方面对大兴安岭农村信用社的 改革背景做了分析。同时，从产权制度改革、可持续发展的战略、农村市场 竞争激烈、城乡一体化程度高、信用社市场化运作五个方面分析了当地农村 信用社改革的动因，得出大兴安岭地区农信社改革的必要性和必然性。本文
7、 也力求用真实的过程来体现农信社向农商行“质”的转变过程，对如何完善法 人治理结构、债务处理、引进战略投资者、优化股权结构、制定完善管理制 度五个方面做了详细阐述。本文总结提炼了大兴安岭农村商业银行组建后存 在的各种问题及矛盾，这些矛盾具有鲜明的地域特色和个性，反映了在未来 几年内大兴安岭农商行面临的困难和需要解决的问题，本文秉着解决实际问 题的目的，对下一步改革的后续工作提出了相关建议。 关键词：农村信用社；改制；农村商业银行 哈尔滨工业大学工商管理硕士学位论文 - II - AbstractAbstractAbstractAbstract The property rights syste
8、m reform of rural credit cooperatives is the local economic and social development and strengthen themselves competitiveness requirements, andtopromotecreditcooperativessustainabledevelopment requirements. The property right system of rural credit cooperatives in the situation of the reform of the r
9、ural credit cooperatives in heilongjiang province, the property rights system reform work to walk in the country, after the until on December 28, 2010, the first a rural commercial bank-the rural commercial bank Co., LTD was founded, only to its function and meaning is not the more to promote rural
10、credit cooperatives in our province, healthy, stable and sustainable development of important theoretical significance and practical value. This article from the local credit cooperatives the necessity of the reform of the system of property right as the starting point, from the national policy, the
11、 economic transformation forest region, the provincial association property rights system reform plan, three aspects of the rural credit cooperatives reform background are analyzed. At the same time, from the property rights system reform, the sustainable development strategy, the rural market compe
12、tition is intense, urban and rural integration degree is high, credit cooperatives marketing operation five aspects of the local reform of rural credit cooperatives, the reason that the reform of rural credit cooperatives in the necessity and inevitability. Also, this paper tries to use the true pro
13、cess to reflect the cooperatives to the agricultural businesses “quality“ process of change, to how perfect governance structure, debt handling, introduce the strategic investors, optimizing equity structure, making perfect management system five aspects in detail, as the focus of property right sys
14、tem reform process embodies the disadvantages of the reform of the rural credit cooperatives are summed up the various existing problems, these conflicts has the distinct regional characteristics and individual character, reflects the Daxinganling in the next few years farming firm the difficulties
15、and problems need to be solved, also reflects the change in the actual operation process and production change model design deviation between 哈尔滨工业大学工商管理硕士学位论文 - III - expected, this paper takes the purpose to solve practical problems on the next step of the reform of the follow-up work puts forward
16、 related Suggestions. KeyKeyKeyKey words:words:words:words: theruralcooperatives,propertyrightssystemreform,rural commercial bank 哈尔滨工业大学工商管理硕士学位论文 - IV - 目 录 摘 要.I A A A AbstractbstractbstractbstractII 第 1 章 绪论. 1 1.1 论文研究的背景和意义 1 1.1.1 研究背景.1 1.1.2 研究意义.1 1.2 研究综述2 1.2.1 关于农信社改革方向主流观点综述2 1.2.2 转制为农商行后的效果评价综述3 1.3 研究内容和方法.3 1.3.1 研究内容.3 1.3.2 研究方法.4 第 2 章 大兴安岭地区农村信用社改革背景和动因.6 2.1 大兴安岭地区经济和金融情况. 6 2.2 改革背景7 2.3 改革动因9 2.4 本章小结15 第 3 章 大兴安岭农信社的产权制度改革模式方案 16 3.1 产权制度改革的总体思路16 3.2 大兴安岭农信社
