农村信用社制度创新模式探索

农村信用社制度创新思路主要有三种 :合作制、股份合作制和组建股份制商业银行。三种模式中 ,对农村信用社进行股份制改造 ,组建商业银行吸引了多数人的目光 ,但从我国农村的实际情况以及这三种模式自身的特点出发 ,商业化不是农村信用社制度创新的唯一选择 ,也不是最佳选择。合作制金融在中国农村不应该消失 ,但目前要在我国推行规范的合作制不现实。

The Rural Credit Cooperative Institutional Innovation probe

The institutional innovation of Rural Credit Cooperative is mainly including three ideas: cooperative system, share-cooperative system and joint-stock commercial bank. Among the three ideas, converting the Rural Credit Cooperative to the joint-stock commercial bank attracts many people's eyes, but based on the real conditions of our country and the characters of the three models, we conclude that commercialization is not the only nor the best selection to the institutional innovation of the Rural Credit Cooperative. The cooperative finance should not be disappear in China's country field, but at present carrying out the standard cooperative finance in China is not practical.