晋中市农村信用社发展问题及对策研究

Study on Development Problems and Countermeasures of Rural Credit Cooperatives in Jinzhong City

在当前日益激烈的市场竞争中,与同业其他金融机构相比,农村信用社无论是资产质量还是盈利手段都存在较大差距,如何在激烈复杂的竞争环境中实现信用社的全面可持续发展是一个需要不断探索的重大课题。该文对晋中市农村信用社发展现状、存在问题进行分析,指出管理机制、用人机制、制度、外部环境等方面存在不完善的方面,提出了农村信用社效率提升对策:合理解决农商行改制前面临的实际问题,加强制定风险防范机制,实现员工保障制度,充分发挥科技支撑作用等,为促进农村信用社进一步健康发展,提供合理化建议和参考。

In the increasingly fierce competitive market,compared with the other financial industry,rural credit coop-eratives have a wide gap in both asset quality and profitability means,how to achieve comprehensive and sustainabledevelopment in the highly complex competitive environment is a major issue that needs to explore. This paper ana-lyzes the current situation and existing problems of rural credit cooperatives in Jinzhong,pointing out the presence ofthe management mechanism,the employment mechanism,institutional,environmental and other external imperfec-tions. Countermeasures are put forward to increase the efficiency of rural credit cooperatives：reasonably solve thepractical problems facing agricultural firms before the restructuring,strengthen the establishment of risk preventionmechanism,realize the staff security system,give full play to the role of science and technology support to providereasonable suggestions and reference for promoting the further healthy development of rural credit cooperatives.