武汉市农村信用社产权制度改革案例研究

华中科技大学硕士学位论文武汉市农村信用社产权制度改革案例研究姓名：凌云申请学位级别：硕士专业：工商管理指导教师：龚朴20051031II19962003627IIIAbstractRuralCreditCooperativeisanimportantcomponentsofChina’sfinancesystemasthebasisofruralfinance.Sinceitsfoundation50yearsago,ithasplayedasignificantroleoneconomicdevelopmentandruralsociety’scomprehensivedevelopmentinChina.Inspiteoffurtherreformsandexplorationshavebeentakenonitsmanagement,noessentialprogresshasbeenmadeonpropertyrightsandorganizationsysteminsideRCCsince1996.Thissystematicproblemisurgencyneedssolvingforgovernment,financesupervisiondepartmentandRCCitselfandthefocusoftheorystudyingaswell.OnJune27,2003theStateCouncilofChinaenactedtheExploratoryPlanofDeepeningTheRuralCreditCooperativeReform.TheplanindicatesthattherearemainlythreekindsofpatternsofRCC:Cooperation,Cooperation-shareCapitalization,Share-Capitalization.VariouspatternshaverespectivecharacteristicsandhavedifferentconditionsandrequirementstowardstheRCC.InviewofthedifferentdegreesofeconomydevelopmentindifferentareasandthedifferentoperationconditionsoftheRCC,thereformshouldnotbeconfinedtojustonepattern.AccordingtoexperiencethroughworkinginWHRCCforyearsandaftercomparingthethreereformplans,IhavedonesomeresearchonthedevelopmentpatternofWHRCCwithemphasesonWuHan’suniquecharacteristicasdevelopingeconomicregion.WithconsiderationofthehistoricalprogressofWHRCCandanalysisofthecurrenteconomical,socialandpoliticalconditionsofWuHan,IsuggestthatatransitionalCooperationsystemshouldbeadoptedinorderthatWHRCCtakealeadtobeeligibletothenationalcompensationprogram.Oncetheaccountingfigureshavemettherequirement,aShare-Capitalizationsystemwillbeimplemented.Simultaneously,themissionofthereformedWHRCCwillbe“todevelopregionaleconomy”andthemarketingtargetwillbemediumandsmallretailingbusinessandlocalresidents.TheregionaleconomyofWuHanisdeveloping,studiesonreformpatternsofWHRCCwillprovideRCCofsimilarregionssomereference.KeywordsRuralCreditCooperativePropertyRightSystemReformPatternI20051031______2005103120051031111.12003627,8200421.21630019961.33422.12.1.1[1]2.1.21234[2]2.25195119581951195788368195919791977[3]1979199619848198721006199619968[4]50[5]200120022003420039672.3[6][7][8][9]2.482.4.11[10]22-12-193[11]2.4.2102.4.3[12]2.4.41112342.5[28][29][30]1233.13.1.111894DG50050[13]212345133.1.2120[14]21250313741%30053.1.3119802114[15]23453.1.417%1923[16]2121533.23.2.11[17]23[18]3.2.21216[19]3AAA[20]3.2.3[21][22]3.2.418901947194917[23]190419681842003627:;4.112[24]3194.212200348158.5%1000[25]3100015%20004%204.3122001[26]2131015%50008%4.44-1[27]2255.11996101998320056161010308975-1.5.1.116716235-1/245.1.2255.219961996120056163.3122.719964732.2116.390.562021301-20,00030,00080,000130,000180,0001996199719981999200020012002200320042005.65-21996-200560300,000600,000900,0001,200,0001,500,0001,800,0001996199719981999200020012002200320042005.65-31996-200562621996200020032004050,000100,000150,000200,000250,000300,0001996199719981999200020012002200320042005.65-41996-200560%10%20%30%40%50%60%1996199719981999200020012002200320042005.65-51996-200563270200,000400,000600,000800,0001996199719981999200020012002200320042005.65-61996-200564562875003080200,000400,000600,000800,0001,000,0001996199719981999200020012002200320042005.65-71996-200568968112634%2351035181955%91029020,00040,00060,00080,0001996199719981999200020012002200320042005.65-81996-200565.3308%4%3166.16.2321[32]2809033[33][34]3“”34“”“”6.3bankonthepersonaltouch1000[35]356.4366.56.5.1376.5.26.5.3[41]386.5.46.5.51[42]10WTO39240200420047287200620084142[1][].W..().,,1994[2].(),2000[3]..:,2001[4]..,2001,14[5],..:,2003[6]..,2001,4[7]..:,2001,10[8]..,2003,5[9]..,2002[10]..,2001,2[11].—.,1994[12]..:,2001,4[13]..:.2000[14]..:,20002:24-26[15]..:,1997[16]..:,2000:46-48[17]..:,1995[18]N.Barou,CooperativeBanking,LondonPress,1999[19]EberhardDuefler,InternationalHandbookofCooperativeOrganizations,VandenhoeckRuprechtInGoettingen,1994[20]..,1999[21]Yaron,Jacob,SuccessfulRuralFinanceInstitutions,WorldBankDiscussionPaper150,Washington,1992[22]JacobYaron,RuralFinance-Issue,designandbestpractices,Theworldbank,1997[23]..,199643[24]..:,2003[25],..,2004[26],..:,2003[27]..,2003[28]NorvaldInstefjoud,Riskandhedhing:Docreditderivativesincreasebankrisk?JoirnalofBanking&Finance,June2004[29]SonnichSen,ConsumersCooperation,1999[30]VonPischke,JohnD,DaleW.Adams,RuralFinancialMarketsinDevelopingCountries,HohnsHopkinsUniv.Press,1983[31]ShawE.S.FinancialDeepeninginEconomicDevelopment,OxfordUniversityPress,1973[32]Moshirian,Financialservices:Globalperspectives,JournalofBanking&Finance,2004[33]MakingonRonald,MoneyandCapitalinEconomicDevelopment,WashingtonD.CBookingsinstitute,1973[34]KevinRogers,ProductMix,BankPowers,andComplementaritiesatU.S.Commercialbands,JournalofEconomicsandBusiness,1998[35]..,2002[36]P.J.Barry,J.A.Hopkin,C.B.Baker,FinancialManagementinAgriculture,TheInterstatePrintersaPublishers,Inc.,1998[37]..,2003[38]Birchall,J,CelebratoryKeynoteADress,ReviewofInternationalCo-operation,1995[39]Stephen,J,H,TheEconomicAnalysisorProducers’Cooperative,Macmillan[40]WynGrnat,Therelationshi