在发达国家，合作制农村金融体系发展有着较为成熟的经验，也在支持农
民发展中发挥了十分重要的作用。

我国农村信用社从组建以来，长期坚持合作制发展的理论，逐步发展壮大，
并成为当前边疆民族地区绝对的金融支农主力军。2003 年起，国家按照“明晰
产权关系、强化约束机制、增强服务功能、国家适当支持、地方政府负责”的
总体要求，对农村信用社进行改革，文山市农村信用社已于 2009 年完成第一阶
段的改革任务。但从实际效果来看，产权关系仍不明晰，入股社员对农村信用
社的经营管理基本没有影响力，涉农贷款占比不断下降，非农化倾向日益明显。

本论文拟从实证分析的角度，用博弈理论分析文山市农村信用社成立以来
法人治理结构发展变化情况、产生的实际效果及深层次的体制、机构原因，探
索适合边疆民族地区发展的农村信用社改革发展模式。

关键词：农村信用社；产权制度；博弈论Abstract
In recent years , China's rural financial system reform has made considerable
progress . Monetary policy has been basically formed , commercial finance and
cooperative financial situation and common development . However, due to various
reasons , China's rural finance is still the weak link in the financial sector , which
restricts the development of China's rural economy .
In developed countries, the development of the rural financial system
cooperative system has a more mature experience , but also to support farmers to
develop played a very important role.
Since the establishment of China's rural credit cooperatives from the long-term
development adhere to the theory of cooperative system , and gradually grow and
become the frontier regions absolute main force for financial support for agriculture .
Since 2003 , the State in accordance with theclear property rights , strengthen the
binding mechanism , enhance service capabilities , appropriate support state and local
government is responsible forthe general requirements , the reform of rural credit
cooperatives , The Wenshan City Rural Credit Cooperatives, was completed in 2009
the first phase of reform tasks. But the actual effect , the relationship is still not clear
property rights , shares members on basic management of rural credit cooperatives
have no influence , agriculture-related loans accounted for declining farm tendency
increasingly evident.
This paper intends to analyze the empirical point of view , using game theory to
analyze its inception in Wenshan City, rural credit cooperatives development and
changes in corporate governance structure , the practical effect and the deeper
systemic , institutional reasons, exploring the development of frontier regions of rural
credit cooperatives reform and development mode.
Keywords: ural credit cooperatives ; property system ; Game Theory