欠发达地区农村信用社改革问题研究

农村信用社改革的关键是明晰产权关系，落实风险责任，通过改革，形成“资本自聚、资金自筹、经营自主、风险自担”的机制。产权问题是建立现代企业制度的核心和主要内容，也是建立合理科学、归属清晰、权责明确、流转自由的现代法人治理结构的基础。重点是以县为单位改革产权制度，明晰现有产权，妥善处理历史包袱，在此基础上，构建新的产权关系，完善法人治理结构，使信用社走上健康发展的轨道。

The Reform of Rural Credit Cooperative in Less Developed Areas

The key for the reform of rural credit cooperative is to determine the property right, fulfill the risk liability. Through reform, a new mechanism can be established which includes: gathering capital, raising fund, decision made in dealing with business and risk undertaken all by themselves. The property right is the core and main contents of establishing modern enterprise system, which is also the base for the establishment of reasonable, clear and free modern corporate governance. We should emphasize the reform of poverty right with county-unit, perfect the modern property, deal with the historical load to establish the new poverty right, perfect the corporate governance for the healthy development of credit cooperative.