农村信用合作社存在的问题与对策研究

Discussion on Problems Existing in Rural Credit Cooperatives

农村信用社由于存在产权模糊、体制缺位、管理不善等方面的问题,在日益激烈的金融竞争中,为了不断提高适应市场竞争力,克服自身存在的矛盾和问题,已经到了非改革不可的地步。笔者认为当前的农村信用社改革应该在对其自身性质重新定位的基础上,通过全行业的体制性改革以及内部管理的优化来实现改善环境、扭亏为盈、服务三农的目标。

Rural Credit Cooperatives must be reformed because of the problems of vague property rights, lack of correct system, poor management and so on and in order to raise competitive ability in serious market and finance competition. Rural Credit Cooperatives must reform their system and optimize their internal management to change their environment, to make profit and to serve the farmers based on repositioning their ranks.