农村商业银行股份制改革问题探索

农村商业银行股份制改革问题探索(8100字)
摘  要：随着我国农村合作金融体制改革的不断深化，股份制已经成为农村信用社改革的主导方向，将经营情况良好的农村信用社改造为农村商业银行的步伐日趋加快。本文通过了解湖南省农村信用社股份制改革的现状，从如何改革产权、公司治理和竞争对象方面着手，使农信社作为地方性法人银行机构在面对金融市场的不断开放，区域内日趋激烈的金融业竞争，如何进行有效的体制建设和机制转换，如何克服自身弱势，在竞争中寻求生存与发展。
关键词：农村商业银行；股份制；产权制度；金融监管

Rural Commerce Bank Joint Stock System Reform Question Exploration
Abstract: Along with our country rural cooperatives reform of monetary system's unceasing deepening, the joint stock system already became the leading direction which the Rural credit cooperative reforms, the operating condition good Rural credit cooperative will transform for the rural commerce bank step speeds up day by day. This article through understood that the Hunan Province Rural credit cooperative joint stock system reform the present situation, how from does reform the property right, the company to govern with the competition object aspect begins, to cause the agricultural letter society to face the money market as the local legal person bank organization the unceasing opening, in the region day by day the intense financial industry competition, how to carry on the effective system construction and the mechanism transforms, how to overcome own weak trend, seeks the survival and the development in the competition.
key words: Rural commerce bank; Joint stock system; Property system; financial oversight and supervision