中国農村信用合作社における協同組合的経営改革の展開

T市農信社連合社 (吉林省) の事例から

抄録

Recently, with the deepening of agricultural structure adjustment, the peasants have a higher demand for capital. On the other hand, the Rural Credit Co-operatives (RCCs), as the peasants' co-operative financial organization, tend to worsen their management due to their non-agricultural crediting direction. One of the main focuses of present day research is how to extricate the RCCs out of this difficult situation through inner management reform. Up to now, numerous papers have elaborated on how to better the credit structure and service quality so as to adapt them to the agricultural structure reform. This paper, based on the managers' conduct theory, makes an analysis of the Joint RCCs in T city, Jilin Province, China, which has already achieved some degree of progress in co-operative management reform, and draws its conclusions as follows: (1) The managers have a deep understanding of the management notion of co-operative organizations and have achieved some progress by carrying it out through the whole management reform, thus helping the peasants gradually realize that the RCCs are their own banks. (2) Based on the above-mentioned notion, the managers have set up some organizations according to the peasants' demands and carry out democratic management based on co-operation principles, which proves to be quite effective though some deficiencies still exist. (3) Because of these reforms, bad loans have been decreasing and the contacts between the RCCs and the peasants have become much closer. The agricultural structure adjustment has thus been promoted and the RCCs have become the main force in rural finance.