浅谈农村信用合作社改革

On the reformation of rural credit cooperative

农村信用合作社是农村金融体系的重要组成部分,它为社会的稳定和农村经济的发展作出了巨大的贡献。但是在新形势下,农村信用合作社也暴露出了许多问题,如产权不明晰,经营机制不灵活,不良贷款率高等。这就要求我们必须对农村信用合作社进行改革以适应不断发展和变化的农村经济形势。我们在考虑农村信用合作社的改革时,必须以发展的眼光来看问题,立足于实际,承认地区差异,按照市场经济的原则来探寻适合本地区的改革模式。文章从实地调查的农村信用合作社的实际情况出发,由点及面,探索在新形势下农村信用合作社改革的新模式。

Rural credit cooperative is an important part of rural financial system. It makes a great contribution to the stability of society and rural economic development But in the new situation, it exposes many questions, such as, unclear property right, inflexible management mechanism, high rate of bad loan. Thus rural credit cooperative must be reformed to adapt to the new rural economic situation. In a long term, the reformation must base on its reality and regional disparity. According to market economy principle, we must find the suitable reformation mode. The present article gives the new mode of rural credit cooperative reformation based on his on - the - spot investigation.