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一人一股一票的农村信用合作制度本身存在着制度缺陷 ,在经理人员的产生过程中 ,由于提名规则、选举规则和选举程序的不同 ,会导致不同的选举结果 ,并可能降低选举效率。而平均化的股权结构易于使得股东“搭便车” ,导致监督空洞化 ,产生严重的“外部人 -内部人”控制问题。目前我国的农村信用合作制度与规范的合作制度相比还存在较大的差距 ,问题更为严重。需要从产权制度入手 ,对现行制农村信用合作制度进行改革。
One person, one vote, rural credit cooperation system itself has some defects in system. In the process of manager’s production, due to the difference between the nomination rules, the election rules and the election procedure, it will lead to different election results and may reduce the election efficiency. The average shareholding structure is easy to make shareholders “free-riding”, leading to the emptying of supervision, resulting in serious “outsiders - insiders” control issues. At present, there is still a big gap between China’s rural credit cooperation system and the normative cooperation system, and the problem is even more serious. We need to start from the property rights system, the existing system of rural credit cooperative reform.