欠发达地区农村信用社社团贷款运作的研究——从青海省农村信用社制度变迁角度分析

Research of the Operating of Rural Credit Cooperative's Loans in Underdeveloped Areas——Analysis from the Point of Institution Change of Qinghai Rural Credit Cooperative

在当前经济金融发展面临较多不稳定因素的形势下,社团贷款对青海省农村信用社扩大信贷规模、增加盈利和可持续发展,更好地支持"三农"经济具有重要意义。目前,青海省农村信用社社团贷款运作存在一定问题,对社团贷款的发展及积极作用的发挥起到了不利影响。本文针对青海省社团贷款运作存在的实际问题,运用边际分析方法进行探讨,以促进社团贷款的有效运作。

In the situation of the unstable development of economics and finance, the cooperative loans will make important sense for expanding loan scale, increasing profits and sustainable development. Nowadays, the Rural Credit Cooperative of Qinghai Province has some problems in the operating of cooperative loans, making detrimental effect for its development and positive role. The article investigates the effective operating in solving problems of cooperative loans by marginal analysis procedure.