目 录
内容摘要···························································2
一、我国农村金融的渐进式改革与前景·································3
二、发展中国家农村金融的发展和经验·································4
1、发展中国家农村金融理论发展和政策实践的整个历程················4
1）战后至20世纪70年代政府的目标信贷阶段······················4
2）20世纪80年代的转型阶段·····································4
3）20世纪90年代以来的调整阶段·································4
2、发展中国家在农村金融政策实践中取得的经验······················5
三、合作制问题在我国为什么会争论不休·······························6
1、合作制的两种观点··············································6
2、合作制的原则··················································6
3、不同时期导致我国农村信用合作社不规范的原因分析················6
1）传统计划经济时期············································6
2）改革开放时期················································6
3）90年代后期以来··············································7
4、合作制两种观点的比较··········································7
四、我国经济金融发展现阶段的主要特征·······························7
1、现阶段我国经济发展和经济体制的特征····························7
2、经济发展和经济体制特征在金融领域的体现························8
3、经济金融发展现阶段特征对农村金融改革的要求····················8
五、推动我国农村金融组织向多元化、农村金融市场向规范化方向发展·····8
1、农村金融组织向多元化、农村金融市场向规范化发展的原因··········8
2、如何看待县农信联社一级法人改革方案····························9
3、我国的农村金融改革············································9
1）我国农村金融改革的基本思路··································9
2）农村信用社在农村金融中的地位································10
3）政府在农村金融中的作用······································10
4）农村金融改革的目标··········································10
4、当前农村金融领域的规范化问题··································11
1）合作制的农村信用社··········································11
2）股份制的农村合作银行········································11
3）政策性的农业发展银行········································11
参考文献···························································13
内 容 摘 要
如果用合作制的原则来衡量，我国农村信用合作社的经营管理体制的确长期不规范，但不同时期导致不规范的原因和社会条件是不同的，不能简单地一概而论。我国经济金融发展现阶段的特征已经对农村金融改革提出了规范化和多元化的要求，在这种情况下，简单地否定或肯定合作制的改革思路都有失偏颇，而把合作制作为农村金融组织形式之一，同时允许多种金融组织形式在农村共同发展，并把规范化作为改革重点，突出强调长期性制度安排的重要性，可能是更符合当前我国农村金融领域实际状况的改革思路。
