浙江省农信社改制问题研究

摘 要

近年来，我们身边的农村信用合作社数量在逐渐减少，取而代之的是越来越多的农村商业银行。这改变的不仅仅是表面上的名称，更是内里制度的变革，在不断完善治理结构的同时，也在改善资本结构和商业经营理念，这也为农村金融市场注入了新的生机。在这个变革的过程中，往往会出现许多棘手的问题，有些是银行内部由于制度本身产生的问题，也有些问题是由于一些外部因素造成的。这些问题将严重农信社的可持续发展。本文对浙江省农村信用社制度变革进行了深入研究。本文从整体的角度对改革中存在的问题进行了研究，并提出了一些切实可行的建议。

关键词：浙江省  改制   金融服务

Abstract

In the enterprise management, the financial management is the lifeline, the fund is the blood, the fund management is very important to the operation and growth of the enterprise, the fund is the source of whether the enterprise can develop and operate in time series, we must ensure the amount of the enterprise funds, In the period of capital turnover and the supply of funds, accounts receivable and inventory occupy funds, the management mode is faced with reform and innovation, the traditional fund management has been unable to keep pace with the pace of the times, and there are problems in the management of enterprise funds. Therefore, changing the management of state-owned funds is an important task for the financial department of state-owned enterprises. With the development of internationalization of enterprises, state-owned enterprises pay more and more attention to the management of capital, because of the economic city Market demand is heating up, the traditional capital management mode, has gradually failed to keep up with the pace of state-owned enterprises fund operation. Based on the analysis of the importance of strengthening the fund management of state-owned enterprises, this paper probes into the problems existing in the fund management of Kunming Conch cement enterprise, makes a comprehensive study on the fund management of the state-owned enterprises, and puts forward some countermeasures for improving the fund management of the state-owned enterprises.

Key words: fund management  Kunming Conch cement.

目录

摘 要2

Abstract3

一、引言5

（一）研究背景5

（二）研究意义5

（三）研究方法5

（四）国内外研究现状5

二、农信社发展现状7

（一）改革现状回顾7

1、我国农信社改革历程7

2、我国农信社改制取得的成就7

（二）发展现状8

1、 浙江省农信社概况8

2、地位和作用8

三、浙江省农信社面临的问题9

（一）历史包袱沉重9

（二）不良资产积累相对较高9

（三）产权关系模糊，产权处置困难10

（四）金融产品研发滞后10

（五）市场定位不准确10

（六）风险预警能力不强10

（七）营销理财产品不合规10

（八）农商行发展速度过快风险大11

四、深化农信社改革对策性建议12

（一）完善相关金融法律法规12

（二）健全农村金融服务体系12

（三）建立金融风险防范机制12

（四）加大政策扶持力度12

（五）构建新型产权形式12

（六）理顺监督管理体制13

（七）改革需因地制宜，当机立断13

五、结论14

参考文献15