“十四五”期间我国农村信用社体制改革的研究  

Accelerate the reform of China’s Rural Credit Cooperative System during the“14th Five-Year Plan”Period

作　　者：宋海[1] 张红地 Song Hai;Zhang Hongdi

机构地区：[1]全国政协 [2]北京语言大学经济研究院

出　　处：《全球化》2022年第5期5-11,132,共8页Globalization

摘　　要：在我国经济转型升级的大背景下,作为我国规模最大的农村金融机构,农村信用社面临的挑战前所未有,其风险化解和转型升级亟需体制改革的强劲动力,同时,乡村振兴和共同富裕目标的实现,需要农村信用机构发挥重要作用。可以说,农村信用社改革问题已经成为决定我国农村金融业发展的关键。自从农村信用社成立以来,其主管机构多次变更,但以县级联社法人的组织体系仍然是目前主要的组成部分。省联社作为省级管理机构,身份和地位都存在较大问题。下一步应该怎样改革,如何理顺省联社与县联社的关系,已经成为影响未来农村金融发展的关键问题。在2021年中央1号文件精神的指导下,必须保持农村信用社、县级农商行法人地位的稳定。“十四五”期间,应进一步加快省联社的改革,强化省联社服务职能,缩减管理职能,促使县级信用社真正成为自主经营、自我约束、自我发展、自担风险的农村金融主体。Under the background of China’s economic transformation and upgrading,as the largest rural financial institution in China,the challenges faced by rural credit cooperatives are unprecedented,and their risk mitigation and transformation and upgrading urgently need strong driving force for system reform,at the same time,the realization of the goal of rural revitalization and common prosperity requires rural credit institutions to play an important role.It can be said that the reform of rural credit cooperatives has become the key to determine the development of China’s rural financial industry.Since the establishment of rural credit cooperatives,their competent institutions have changed many times,but the organizational system of county-level cooperatives is still the main component at present.As a provincial-level management agency,the Provincial Associated Press has big problems with its identity and status.How to reform in the next step and how to straighten out the relationship between the provincial-level association and the county-level association have become the key issues affecting the future development of rural finance.Under the guidance of the spirit of the Central Document No.1 in 2021,the legal person status of rural credit cooperatives and county-level rural commercial banks must be kept stable,during the“14th Five-Year Plan”period,the reform of provincial associations should be further accelerated and the service functions of provincial associations should be strengthened,reduce management functions,and promote county-level credit cooperatives to truly become rural financial entities that can self-operated,self-restraint,self-development,and at their own risk.

关 键 词：十四五 农村信用社 体制改革 农村金融 

分 类 号：F832.35[经济管理—金融学]