重金悬赏 请帮忙翻译

来源：百度知道 编辑：UC知道 时间：2024/06/17 17:05:22
题目 农村信用社的管理模式研究

摘要

农村信用社是我国农村金融的主力军，如何在进一步的深化改革中发挥出其只能作用，实现其自身的可持续发展，是迫切需要解决的难题，特别是随着全国农村信用合作社改革试点工作的深入开展，由于历史遗留等原因，一些深层次的矛盾逐步凸现，如所有权不明晰、法人治理结构不完善、管理体制不顾、不良资产居高不下、经营机制不健全等等。这些矛盾，必须在发展改革中加以解决，否则农村信用社无法继续前行和发展。

当前我国农村信用社改革中存在的一些重点难点问题主要有:

产权制度设计缺陷，导致了不能有效解决所有者缺位；对此，应当借鉴国外成熟的经验，理顺省联社与县联社的关系，使农村信用社能够发挥其服务广大农民群众的基本职能。

法人治理形似神不似，导致了经营成果经营利益无法与自身利益挂钩，经营行为缺乏有效的约束机制；对此，应当构建一个有行权能力的股东大会，通过市场化的增资扩股，大量吸引新的投资者，尤其是引进战略投资者，可以改善农信社资本结构，使股权适度集中，完善法人治理结构，强化农信社股东大会的行权能力，解决内部人控制问题。

背离产权的逆向管理体制不合理，省联社过度的行政干预，导致了信用社产生大量的不良贷款，而大量的不良贷款直接造成了农村信用社资不抵债，举步维艰；对此，建立涉农信贷风险保障机制，化解支农和经营双重职能本身的矛盾，同时积极与保险公司合作，进一步丰富农业保险品种，提高保险服务质量，发挥农业保险防范和化解农村信贷风险的积极作用。
在线翻译网的不用

The rural credit cooperatives is the mainstay of our rural finance, and how to further deepen the reform of the role play only, its sustainable development, it is urgent to solve problems, especially with the reform of rural credit cooperatives, the pilot work of historical reasons, due to some deep contradictions gradually, such as unclear ownership, and corporate governance structure, management system and operation mechanism of high non-performing assets, incomplete, etc. These contradictions in the development, must resolved in the reform of rural credit cooperatives, otherwise unable to continue and development.

Currently exist in China's rural credit cooperatives reform of some key problems mainly include:

Property rights system design flaws, cannot effectively solve the owners, This should mature experience abroad, the provincial association and rationalize XianLianShe relationship, rural credit cooperatives can exert its service peasants' basic