论农村信用社的产权多元化

信用社有着自己的基本特征。中国农村信用社实践中存在三大误区:与集体经济相提并论;信用中介与一般中介特征相混淆;改革中出现行政化、机关化问题突出。因此,进行农信社的产权多元化是关键。本文分析的逻辑表明,我国农信社的改革应坚持两条道路,一是将多数农信社改造为商业银行;二是按照合作原则对部分农信社改造成真正意义上的信用社组织。

Diversification of Ownership in Rural Credit Cooperatives

Credit cooperatives have their own characteristics. There are three main misunderstandings in the practice of rural credit cooperatives in China: mixed with the collective economy; confuse credit intermediary with the general intermediary; the problem of bureaucracy in the process of reform. Therefore, to diversify the ownership is the key to the reform of rural credit cooperatives. According to the analysis of this article, the reform of Chinese rural credit cooperatives should stick to the following routes: First, transform most of rural credit cooperatives into commercial banks; Second, change some rural credit cooperatives into genuine credit cooperative in accordance with the principles of cooperative organizations.