深化我国农村信用社改革的若干政策建议

Some Policy Suggestions for Deepening the Reform of China’s Rural Credit Cooperatives

随着农村金融体制的不断改革,形成了以农村信用社为代表的正规金融与民间金融共同存在、共同发展的新格局。在民间金融蓬勃发展的同时,农村信用社却由于历史的原因及自身体制的不健全,在发展过程中受到各种限制。文章通过两者之间的比较,借鉴民间金融发展的比较优势对农村信用社的改革提出政策建议,以促进农村信用社改革的深化。

With the constant improvement of rural financial system,a new financial pattern, represented by Rural Credit Unions adopting non-governmental finance and formal finance has taken shape. Along with the vigorous development of non-governmental finance,Rural Credit Unions＇ development was constrained owing to the historical causes and imperfection of self-system.By comparing these two kinds of finance,this paper tries to provide policy proposals to promote the deepening of reform of Rural Credit Unions,based on study of the comparative advantages in non-government finance.