问题描述：
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。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。
注明【 在线译的不行】
问题解答：
Rural credit cooperatives are the main force of China's rural finance, how to further deepen the reform can only play its role and achieve its own Sustainable Development is an urgent need to address the problem, especially with the National Rural Credit Cooperatives Reform depth development of the work, due to historical and other reasons, some deep-rooted contradictions highlighted gradually. The reform of China's rural credit cooperatives in some of the key and difficult problems are:
Property rights system design flaws, resulting in the absence of the owner is not an effective solution; this, should learn from the experience of foreign mature and straighten out the provincial association县联社relationship with the rural credit cooperatives can play the broad masses of peasants of their service's basic functions.
Corporate governance does not seem like God has led to the operating results and business interests of their own interests can not be linked to the operational behavior of the lack of an effective mechanism; this should be the right line to build the capacity of a shareholder of the General Assembly, through the market share of the capital, attract a large number of new investors, in particular the introduction of strategic investors, to improve the capital structure of rural credit cooperatives, so that an appropriate concentration of ownership, improve corporate governance structure, strengthen the Bank of Rural Credit Cooperatives in the right general meeting of shareholders the ability to resolve the issue of internal control.
Departure from the property management system reverse unreasonable, the provincial association of excessive administrative intervention, resulting in a large amount of credit unions of non-performing loans, and a large number of non-performing loans of rural credit cooperatives are the direct result of more liabilities than assets, difficult; In this regard, the establishment of agriculture-related credit risk protection mechanisms, to resolve the dual functions of agriculture and operating its own contradictions and to play an active co-operation with insurance companies, further enrich the agricultural insurance products, insurance services to improve the quality of play in agriculture in rural areas of insurance to guard against and defuse the positive role of credit risk.
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