农村信用社信贷业务发展研究

Research on Loan Business of Rural Credit Union

改革开放以来,农村经济发展迅速,我国农村信贷总量持续增长,但处于农村金融垄断地位的农村信用社与国有商业银行相比有较大的差距,尤其在信贷业务发展方面问题比较突出。通过对农信社的信贷业务发展存在的问题进行分析,针对不良贷款率过高、信贷品种单一以及信贷内控制度不完善的问题,提出了相应的对策。

Since reforming and opening, rural economy have developed quickly and rural loan total have increased continuously,but Rural Credit Union on monopoly status of rural financial have not been well as state-owned commercial banks,especially in loan bussiness it have had outstanding problem.Through analysing problem of loan bussiness of Rural Credit Union,author gives out coutermeasure on high rate of non-performing loan and alone loan kind and defect internal controling system.