农村信用社改革的风险评估与监管：山东的证据

Risk Evaluation and Supervision of Rural Credit Cooperatives Reform： an Example of Shandong Province

农村信用社在产权体制、市场环境、政策信息、资产质量和盈利能力等方面同其他金融机构相比都处于相对的劣势，其经营运行处于高风险状态，其中信用风险和盈利性风险较为明显，且受制度性因素影响较大。金融监管部门应加强对农村信用社的贷款质量、盈利水平和增资扩投效果的监管。

From a national perspective, RCCs were relative disadvantage compared with other financial institutions in property structure, market environment, policy information, asset quality and profitability. These disadvantages take high risk to the operation of RCCs, of which the credited and profit risks are much more obvious, and influenced greatly by institutional factors. Therefore, the financial supervision department should strengthen risk surveillance of RCCs＇ loan quality, profitability and the effect of expanding investment.