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"省联社"模式:理论基础、制度缺陷与改革建议
引用本文:中国人民银行海口中心支行课题组."省联社"模式:理论基础、制度缺陷与改革建议[J].海南金融,2008(10).
作者姓名:中国人民银行海口中心支行课题组
作者单位:中国人民银行海口中心支行课题组
摘    要:任何一项制度的出台都具有其历史继承性和改革的渐进性,农村信用社“省联社”模式在全国绝大省份的确立必然有其“路径依赖”的元素,具有相当程度的合理性。但由于“省联社”模式产权虚置导致其存在“内部人控制”和“外部人干预”的双重风险,使得农村信用社改革的成败建立在省联社管理层的道德与自律的基础上,具有较大的不确定性。因此,对省联社模式的改革也就势在必行。本文对省联社作为改革目标以及作为改革对象的原因进行分析,并对其改革的总体思路做一初浅探讨。

关 键 词:省联社  农村信用社改革  产权改革  战略投资者  建议

The Analysis for the Theoretical Basis,Regulation Defects and Reform Proposals of the Model of Provincial RCCU
Haikou Central Sub-Branch of The People's Bank of China stay Group.The Analysis for the Theoretical Basis,Regulation Defects and Reform Proposals of the Model of Provincial RCCU[J].Hainan Finance,2008(10).
Authors:Haikou Central Sub-Branch of The People's Bank of China stay Group
Institution:Haikou Central Sub-Branch of The People's Bank of China Study Group
Abstract:the introduction to any of the regulations shows the features its historical inheritance and gradual reform,the model of provincial RCCU established in the vast majority of the provinces has its inevitable the element of "path dependence",and has a reasonable composition.However,the absent property rights in the model of provincial RCCU leads to the double risk of "Insiders' control" and "outsiders' intervention ",the successful Probability of the reform of rural credit cooperatives is uncertainty depended on the morality and self-discipline of its management.Therefore,it is inevitable to reform the model of provincial RCCU.The paper,on basis of the reason analysis for the model of provincial RCCU as the objective as well as the target,tries to do superficial discussion of the general idea of the model of provincial RCCU.
Keywords:Provincial RCCU  Rural Credit Cooperatives' Reform  Property Rights Reform  Strategic Investors
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