贫困地区农村信用社的经营状况与效率

Operating Status of Rural Credit Cooperatives in Poor Areas

近年来关于农村信用社改革方向和发展模式有了一些新的争论 ,一种较为普遍的看 法是对不同地区采取不同的对策 ,因为不同地区信用社的经营状况和环境差别太大 ,难以 适用统一的发展模式。其中 ,中西部地区农村信用社到底要成为国家补贴性的政策性机 构 ,还是能成为合作金融或者商业性银行 ,各方面观点分歧最大。那么 ,这些地区农村信 用社的情况究竟如何呢 ?本文试图根据一些实地调查资料对此作些初步探讨。

This paper analyzed the detailed operating status of RCCs in the poor areas of rural China,especially structure of assets and liabilities and incomes, clients and outreach,and management system of RCCs. The paper argued that the poor RCC's profitability and quality of assets were not only coming from environments,but also coming from the business behaviors and management system.In this regarding,further reform and some policy measures are necessary to be taken.