农村信用社的现状分析与发展思考

Thinking on rural credit cooperative being main force of rural financial system

农村信用社是最好的联系农民的金融纽带 ,要采取有效措施支持和引导农村信用社发展 ,使它成为新形势下农村金融的生力军 ,但从目前现状看 ,由于农村合作金融管理体制不顺、机制不活、政策环境欠佳、法律保障软化、扭亏措施不力等原因 ,农村信用社并未成为农村金融真正的主力军。鉴于此 ,农村信用社要想求得发展 ,必须从外部环境上改善其经营环境 ,理顺管理体制 ,给予政策上的倾斜 ,尽快出台《合作金融法》加强舆论宣传 ,给信用社创造良好的生存环境。从内部环境看 ,要转换经营机制 ,提高信誉度 ,引进人才 ,强化措施 ,采用先进设备 ,从整体上提高竞争力 ,成为农民信得过的真正的服务于“三农”

Rural credit cooperative is the best financial bridge of contacting the peasents,so it needs to adopt effective measures to support and lead the development of rural credit cooperative,make it become main force of rural financial system under new situation.However,under the present condition,rural credit cooperative has not been the real main force of rural financial system,due to several factors,such as the incompliance of rural cooperative financial management system,the rigid mechanism,the inadequate policy environment,soft lawful safeguard and the ineffective lucrative measures.So,to develop rural credit cooperative,first,from the outside environment We should improve its operative environment,adjust management system, read fovorable policy,consitute the cooperative financial law as soon as possible, strengthen the propaganda in order to create a good living environment.Second, from the inside environment,we should transform operative mechanism, enhance the credit degree,attract the person with ability,strenthen the measures,adopt advanced equipment,improve the competitive ability from the whole,make it a financial organization creditable to the peasants,while realize services the agriculture country and peasant.