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本文希望通过剖析国外主要合作金融组织模式及相关代表国家合作金融发展情况，
通过对国外合作金融组织架构特点的分析，吸取好的经验做法，对我国省联社改革发展
进行指导，另外按照银监会提出的“有利于提升农村金融服务水平、有利于农村中小金
融机构发展、有利于调动中央和地方两个方面的积极性”改革要求，充分考虑省政府、
监管部门、基层行社的利益诉求，对包括金融服务公司模式、行业协会模式、金融持股
公司模式、省级农商行模式、联合银行模式在内五种可选模式进行优劣分析，总结归纳
各种模式的背景、特点和可行性。对河北省联社基本情况进行收集和分析，结合河北省
联社在经营服务内容、管理体制、法人治理架构方面的具体情况，对上述改革模式进行
适用性分析，指出组建联合银行是河北省联社改革的最佳选择，并提出河北省联社组建
联合银行的基本步骤，在理论和实践两个层次为省联社改革设计提供借鉴和参考
关键词：农村信用社 河北省联社体制改革 模式选择 联合银行IV
Abstract
Although the rural credit cooperatives have changed, but always plays a vital role in the
China&39;s rural finance and the rural economic development. In particular, since the beginning
of the new round of reform in 2003, with the guidance and organization of the CBRC, in
addition to Beijing and other municipalities and Ningxia, other provinces have set up the
provincial united cooperation. under the authority of the provincial government to exercise
the jurisdiction of the rural credit cooperatives, the four functions. With the deepening of the
reform process of rural credit cooperatives, faced with various aspects of the impact of the
provincial association&39;s own reform and functional transformation ofrural credit cooperatives
to deepen the reform of an important issue.
This paper hopes to analyze the foreign cooperative financial organization model and the
relevant state cooperation in the development of financial cooperation, summed up the
development of foreign cooperative financial institutions in the market economy under the
development of China&39;s cooperative financial reform and development of useful experience
and practice, taking full account of the provincial government, the provincial government, the
provincial government, the provincial government, Supervision and management of the
grassroots level, including the financial services company model, industry association model,
the financial holding company model, the provincial farm business model, the united banking
model, including five kinds of optional model analysis of the pros and cons, summarized The
background, characteristics and feasibility of the various models. This paper analyzes the
basic situation of therural credit cooperative of Hebei, and analyzes the applicability of the
five reform models in the aspects of the service contents, management system and corporate
governance structure of Hebei Province. It is proposed that the formation of the united bank is
rural credit cooperative of Hebei affiliated society has continued to deepen the feasible path of
reform, and it has some reference significance in practice to the choice of the reform path of
rural credit cooperatives in provincial areas.
Key Words:rural credit cooperatives, rural credit cooperative of Hebei， reform mode
selection, united Bank.V
目 录
中文摘要....III
英文摘要.....IV
1 绪论.......1
1.1 研究目的及意义.....1
1.1.1 研究目的 .......1
1.1.2 研究意义 .......1
1.2 国内外研究现状.....2
1.2.1 国外研究现状 ...2
1.2.2 国内研究现状 ...3
1.2.3 研究评述 .......4
1.3 论文结构...........4
1.4 研究方法...........5
1.5 创新点.5
2 国外合作金融机构模式探究...........6
2.1 国外合作金融机构模式...........6
2.1.1 金字塔体制模式 .6
2.1.2 多元复合模式 ...6
2.1.3 依附组合模式 ...7
2.2 对我国省联社改革的借鉴意义.....8
2.2.1 省联社改革必须结合我国的实际情况 .......8
2.2.2 省联社改革必须坚定服务三农的基本目标 ...8
2.2.3 区域联合是我国省级联社改革的重要方向 ...9
3 农信社改革的主要成就及新的困境....11
3.1 农信社改革取得的主要成就 .......11
3.1.1 法人数量大大减少，风险抵御能力得到提升 11
3.1.2 承上启下，省联社作用充分体现 ..........11
3.1.3 公司结构得到完善，经营更加规范 ........12VI
3.2 新形势下农信社存在的问题及面临的困境......12
3.2.1 结构性矛盾依然突出 ........13
3.2.2 潜在风险仍然存在 ..........13
3.2.3 省联社改革势在必行 ........14
4 我国省联社改革模式研究15
4.1 金融服务公司模式 ...15
4.2 行业协会模式 .......16
4.3 金融持股公司模式..16
4.4 省级农商行模式 .....17
4.5 联合银行模式 .......17
5 河北省联社改革路径选择19
5.1 河北省联社基本情况19
5.1.1 基本经营情况 ..19
5.1.2 公司治理机构 ..20
5.1.3 基本职能 ......21
5.2 基本评价..........21
5.2.1 总体评价 ......21
5.2.2 成绩斐然 ......21
5.2.3 问题突出 ......23
5.3 成立联合银行——河北省联社改革的最优选择..24
5.3.1 金融服务公司模式匹配度分析 24
5.3.2 行业协会模式法人匹配度分析 24
5.3.3 金融持股公司模式匹配度分析 25
5.3.4 省级农商行模式匹配度分析 ..25
5.3.5 联合银行模式匹配度分析 ....25
6 河北省联社改革步骤....27
6.1 总体思路..........27
6.1.1 改革的基本目标 27
6.1.2 改革的基本原则 27
6.1.3 改革的基本要求 27VII
6.2 实施步骤..........27
6.2.1 第一步：化解存
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