农村信用合作社经营性风险因素探究

Probing into the Factors of Risk in the Operationof Rural Credit Cooperative

农村信用合作所具有的资金规模小、专业特色强、地域性经营等特点 ,使农信社面临着资本保障不足、融资能力不强、运营成本高等经营性风险因素 ,要防范和化解这些风险因素 ,就必须改革农村信用社的经营管理体制 ,加强业务监管 。

Such features in the operation of Rural Credit Cooperative (short for RCC)as small amount of capital,special operation and the locality in operation,make RCC face the following factors of risks:insufficient capital for guarantee,lower ability of circulating necessary funds,high cost in capital_operation, etc Inorder to avoid and minimize these potential risks,the following effective me asures should be taken:to reform the operative and managerial system of RCC,to place more emphasis on supervision and provide necessary favorable policies