防范农信社改制风险的对策研究  

Countermeasure Study on Prevention of Risk of Rural Credit Cooperatives Restructuring

作　　者：谷有利[1] 赵振民[2] 

机构地区：[1]山东科技职业学院,山东潍坊261053 [2]潍坊学院,山东潍坊261000

出　　处：《廊坊师范学院学报（自然科学版）》2008年第3期54-56,共3页Journal of Langfang Normal University(Natural Science Edition)

基　　金：潍坊市科学技术发展计划项目"潍坊市服务创新与服务业生产率研究";课题编号:ky2006-1

摘　　要：农信社改革可以壮大信用社股金实力,改善资产质量,提高市场竞争力。但由于改革在设计上存在股金的"资本属性"与"三农"服务冲突缺陷,而原有的股权结构缺陷、法人治理结构缺陷、内部控制制度弱化等问题还依然存在,因而潜在着极大的风险放大效应。为防范改制风险,必须正确安排体制和机制的保障,增强全体社员及员工的风险意识。Rural credit cooperatives restructuring can enhance share strength of the credit cooperatives,improve assets quality and market competitive force.Yet there is still the conflict defect between "capital property" and "three-dimensional rural issues" in planning the reform,the huge potential risk magnifying effects is existing.To prevent reform risk,system and mechanism guarantee must be arranged properly.And it is necessary for all farmers and staffs to improve risk consciousness.

关 键 词：农信社改制 风险防范 对策 

分 类 号：F832.35[经济管理—金融学]