当前，我国经济正从高速增长转为中高速增长，经济结构不断调整力求再平
衡，经济下行成为新常态下经济的主要表现。近年来，由于国家政策的扶持和市
场经济的作用，中国农村经济的地位也越显活力。农村信用社的持续发展对于中
国金融的发展起着越来越重要的作用。从目前来看，国内农村信用社无论从增资
扩股完成、票据发行还是法人治理结构、经营机制都在不断进步，但是，也存在
着一些具体的问题，希望通过对罗平农村信用社改革的具体分析，对国内农村信
用社现状特别是省内信用社存在的问题进行分析，并在此基础上提出对策和建
议，不仅对罗平农村信用社有现实的指导意义，对于其它类似的农村信用社的改
革和发展也能起到相应的借鉴作用。当前，成立农村商业银行建立现代企业制度，
在竞争中寻求生存与发展，寻找新的利润增长点，实现利润最大化是农村信用社
改革的最终目标
本文主要介绍了国内信用社的发展现状及相关概念，然后通过罗平信用社的
相关改革和发展以其对比，分析了信用社的不足，农商行的发展现状、特点以及
发展趋势，并从中提出解决方案和注意事项
关键词：信用社 罗平农村商业银行 改制Abstract
II
Abstract
Rural credit cooperative is an indispensable part of China&39;s financial system, and
plays an irreplaceable role in the modern financial services industry.. Luoping rural
credit cooperative has been transformed into rural commercial bank and become the
model of Rural credit cooperative’s reform in Yunnan province. More importantly, the
reform of Luoping rural credit cooperative will make a significant contribution to the
issues of farmer, rural area and agriculture and promote the economic development in
rural and urban areas .
At present, China&39;s economy growth is decelerating and the economic structure
is constantly rebalancing.Therefore, the economic downturn has become the main
performance of the economy under the new normal. In recent years, due to the support
of national policy and the role of market economy, the status of rural economy in
China is also more dynamic. The continuous development of rural credit cooperatives
is playing a more and more important role in the development of China&39;s financial
industry. For the moment, domestic rural credit cooperatives have made great
progress in stock expansion, note issuance, corporate governance structure
improvement and operating mechanism complement. However, there are also some
specific problems which are common to provincial and domestic credit rural
cooperatives. Hence, these common problems should be analyzed through the specific
analysis of the reform of Luoping rural credit cooperative, On this basis, guiding
countermeasures and suggestions should be proposed which are helpful for the reform
and development of rural credit cooperative in Luoping and other similar rural credit
cooperatives. Presently, the ultimate goals of rural credit cooperatives revolution are
setting up rural commercial banks to establish a modern enterprise system, seeking
survival and development in the competition, pursuing new profit growth point,
realizing the maximum profit.
This paper introduces the development status and related concepts of domesticAbstract
III
credit cooperatives. Moreover, it analyzes the rural credit cooperatives’weaknesses
and rural commercial banks’s status, characteristics and development trend and also
proposes solutions and considerations through comparing the reform and development
of Luoping credit cooperative.
Key Words： Credit cooperatives, Luoping Rural Commercial banks, Reform目录
V
目录
摘要.......... I
Abstract....... II
第一章 绪论1
第一节 研究背景及意义....1
一、选题背景.....1
二、研究的目的和意义.2
三、研究方法.....2
第二节 罗平县经济金融概况..........3
一、县域经济概况.........3
二、县域金融概况.........3
第三节 罗平县联社基本情况概述4
一、公司简介.....4
二、股东背景.....4
三、罗平县联社的业务经营情况（2012 年——2015 年）..5
第二章 罗平县联社经营现状.......7
第一节 宏观环境....7
一、资产质量及历史包袱.........7
二、法人治理结构的不完善.....7
三、一个主体承载多种职能，导致目标与职能的冲突........8
第二节 微观环境....8
第三章 国内农村信用社的改革...9
第一节 中国农村信用社改革........9
一、“苏南模式”—改制成股份制商业银行.....9
二、推行“省联社”模式...........10
三、“天津模式”— 转变股份合作制下的农村信用社.........10
第二节 改革后的成果和启示........11目录
VI
第四章 罗平县联社的改革案例分析.....12
第一节 罗平县联社的改革的方式及概述..........12
一、罗平县联社的改制原则...12
二、罗平县联社的改制目标...13
三、名称、业务范围变化.......14
四、股权设置和股本结构.......14
五、公司治理结构.......15
六、部门及分支机构设置.......19
七、从业人员配置.......19
八、主要管理制度.......19
九、主要改制流程及安排.......20
第二节 清产核资基本情况..........24
第三节 罗平县联社改革的成果...
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