对农村信用社体制改革的思考

Thoughts on the Reform of the System of Agricultural Credit Cooperatives

当前农村信用社经营方向错位 ,资产质量低下 ,导致效益日益下降 ,金融风险日益加大。究其原因 ,主要是体制改革不彻底。因此 ,如何进一步深化改革 ,健全农村信用社的体制 ,降低金融风险 ,提高金融效益 ,是理论界和农村金融工作者需要认真解决的一个重要问题。

Now, the agricultural credit cooperatives are not quite in order with its poor quality and wrong direction in their business. The main reason for it is that the reform is not complete. Therefore, we need to deepen the reform, improve the system of agricultural credit cooperatives, reduce financial risk, increase economic profit.