利率市场化条件下农村信用社的困难与应对

Difficulty and Countermeasures of RCCs Under the Market-based Condition of Interest Rate

从分析利率市场化条件下农村信用社面临的问题入手,剖析问题存在的原因,提出:为保证我国农村信用社利率市场化的顺利进行,必须认真总结农村信用社利率试点的经验和教训,在信用社产权改制、金融产品定价、建立利率风险管理机制等方面作一些探索。

Analyses the difficulties of RCCs under the market-based condition of interest rate, and the reason why the question exists. Puts forward that, in order to guarantee the harmony of market-based interest rate of RCCs of our country, the experience and lesson of the interest rate pilot project of RCCs must be summarized conscientiously, explorations should be made in the aspects of property right reform system, making financial product fix the price and setting up interest rate risk management mechanism, etc.