解决关键问题 巩固农村信用社的改革成果——对吉林省农村信用社八年发展情况的思考

Solve Critical Problems and Consolidate the Results of the Reform of Rural Credit Cooperatives

农村信用社一直是监管部门高度重视的金融机构。近年来,吉林省农村信用社的实际经营状况不容乐观。在银行监管部门对吉林省农村信用社多次开展了贷款真实性、效益真实性、贷款偏离度等检查及内部贷款还原等工作,存贷比、不良贷款率大幅上升,资金缺口加大,应收利息增加等各种问题都体现了经营的困难。笔者根据对吉林省农村信用社八年发展情况的分析,总结了农村信用社发展中存在的深层次问题,并给出了相应的对策建议。

Rural credit cooperatives often attract much attention from regulatory authorities at all levels. In the first half of this year,the actual operating conditions of rural credit cooperatives in Jilin did not look good. Under the regulatory supervision,rural credit cooperatives in Jilin carried out some remedial measures for several times. Based on the analysis of the situation of rural credit cooperatives in Jilin,the author summed up the problems in the development of rural credit cooperatives and gave the corresponding solutions.