農會因民營銀行大量增設，加上體制的缺失、內部管理不善、房地產持續不景氣等問題，營運每下愈況，本論文探究其經營危機及轉型革新之道。研究方法則採文獻分析法、個案研究法及觀察法。 本研究獲致以下結論：一、整體農會由盈轉虧，體質惡化，以南部農業縣問題最嚴重。二、農會體制缺失多，從內部管理制衡到外部監督都亟待改善。三、農會轉型革新後，供銷業務有起色，但信用部問題依舊嚴重。四、政府整頓基層金融，為經營不善農會去除沈重的包袱，而三年振興計畫使失去信用部農會轉虧為盈，但還是有不少農會經營艱困，未來政府態度對農會影響甚大。五、對農業金融法各方及朝野見解紛歧，整體而言，以行政院版較優，但在野黨版也有可取之處。六、農會未必就代表農民，農會改革不是單純的農業、金融問題，還有複雜的政治問題。 基於上述結論，本研究提出以下建議：一、以專業角度理性制訂、修改法令，改正農會體制上的缺失，避免政治力過度介入。二、積極推動農會合併。三、加強農會策略聯盟。四、加強專業訓練，提升專業服務。五、善用地方資源，開闢新財源，但須注意風險評估。六、農業推廣業務重新定位。七、農會要革新又革心，不能抗拒改革。 Because of increasing of many private banks, farmers’ association encountered a big competition. The internal corruptive and managing problems in farmers’ association appeared, and these problems impeded the operation of farmers’ association. The research tries to explore the crisis about the management of farmers’ association, and the way of the organization transformation. Documents, study case and observations are uses as tools to analyze information. The conclusion is as follows:1 Where the most serious problems took place is in south Taiwan. 2 The system of farmers’ association need to be improved from internal management to external supervision.3 The credit department of farmers’ association still has serious problems, not be improved at all. 4 The government has much effect on farmers’ association.5 The Agricultural Financial Protocol has different versions.6 The revolutionary problems of farmers’ association are not only agricultural and financial, but also political ones. Based on the above conclusion, the researcher offers some suggestions: 1 The law of farmers’ association should be revised for a professional aim to correct the weakness and avoid political interference.2 Merge farmers’ associations together which have no good operation.3 Enforce strategic alliance among farmers’ association.4 Enhance professional training and service.5 Make use of resource, and estimate the risk.6 Reconstruct the position of farmer’s association.7 Make sure a revolution in transformation.
