黑龙江省农村信用社发展小额诚信贷款问题的研究

On Developing Small Credit in Heilongjiang Rural Credit Cooperatives

目前,黑龙江省农村信用社的发展还处于较低水平,发展过程还存在诸多问题。农村信用社总体上信贷规模小,资金供给不足;风险防范意识薄弱,缺乏市场竞争思想;产权归属不明,内部管理混乱。应借鉴国内发达省市经验,开展金融产品和服务创新,扩大存、贷款规模;以市场为导向,以赢利为目标,以利率为杠杆,减轻市场风险,维持农信社的持续经营;加快变革农村信用社的产权制度,明晰产权归属,完善法人治理结构;有效建立信用评级组织,开展政策性保险,以多渠道防范小额信贷的信用风险。

Now, the development level of Heilongjiang rural credit cooperatives is lower and there are many problems. In general, the credit scale is small and funds supply is insufficient in rural credit cooperatives; the risk prevention consciousness is weak and lack of market competition; property ownership is unclear and external management is disordered. Hence, we should take the experience from developed provinces and cities at home, develop innovation of financial products and services to expand the scales of deposit and credit; reduce market risk and maintain the sustained business of rural credit cooperatives by taking market as guidance, profit as goal, and in- terest as lever; quicken the reform of property system on rural credit cooperatives, clarify property ownership, improve corporate gover- nance; and then effectively construct credit rating organization and develop policy insurance to prevent credit risk of small credits from multiple channels.