| 论农信社"革命":难点与建议 |
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| 引用本文： | 刘明.论农信社"革命":难点与建议[J].四川大学学报(哲学社会科学版),2004(3):10-15. |
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| 作者姓名： | 刘明 |
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| 作者单位： | 陕西师范大学,国际商学院,陕西,西安,710062 |
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| 基金项目： | 本文是陕西省哲学社会科学"十五"规划课题"西部与陕西金融创新与金融发展研究--兼论农村金融服务体系模式选择"的成果之一. |
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| 摘 要： | 农信社内在地适宜于服务农村经济,其主要特点是所有人管理与共同激励相容、非正式制度约束以及弱信息不对称,与国有金融部门比较,农信社具有低沉没成本,其信贷员市场由于有限地域和重复交易性质而减少了不确定性.农信社今后的发展必须克服组织体系与法人治理结构等方面的一系列缺陷,国家应该从立法与政策上维护农信社的合作制性质及其权益.
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| 关 键 词： | 农信社改革 共同激励相容 弱信息不对称 法人治理结构 |
| 文章编号： | 1006-0766(2004)03-0010-06 |
| 修稿时间： | 2003年9月29日 |
Revolution in Agricultural Credit Cooperative:Difficulties and Proposals |
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| LIU Ming.Revolution in Agricultural Credit Cooperative:Difficulties and Proposals[J].Journal of Sichuan University(Social Science Edition),2004(3):10-15. |
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| Authors: | LIU Ming |
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| Abstract: | Agricultural Credit Cooperative is an inherently suitable organization for rural financial service in China, and its main peculiarities are the management of owners, the containing of common encouragement, the restraint of unofficial system, and abated asymmetric information. As compared with state-owned banking institutions, Agricultural Credit Cooperative has the following main advantages: lower sunk or stand-by costs, weakened uncertainty of lending-manpower market because of limited area and repeated trading. For further development, Agricultural Credit Cooperative must overcome a series of flaws in organizational system and legal person governance structure, and the state should safeguard cooperative financing nature and its rights and interests by drawing up laws and policies. |
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| Keywords: | the reform of Agricultural Credit Cooperative the containing of common encouragement weakened asymmetric information legal person governance structure |
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