农村信用社改制面临的问题及对策

The problems in the reform of rural credit cooperatives and solutions

农村信用社改制中面临很多问题,即难以达到改制指标,资本补充缺口较大,筹资募股困难较大,资产确权处置繁冗复杂。农村信用社改制后仍面临很多问题,即农村地区的经济增速有限,经营策略过于陈旧,经营负担加大,软硬件建设不完善。改制中面临问题的解决对策主要包含以下几方面,即深化转制工作,解决基金缺口,调整经营策略。改制后面临问题的解决对策主要包含以下几方面,即理清经营思路,抓住改革契机,加大创新力度。

There are many problems in the reform of rural credit cooperatives,that is,it is difficult to reach the target of reform,there is a large gap in capital supplement,it is difficult to raise funds and raise shares,and it is complex to confirm the right of assets.After the reform,rural credit cooperatives still face many problems,that is,the economic growth in rural areas is limited,the management strategy is too old,the management burden is increased,and the construction of software and hardware is not perfect.The solutions to the problems in system reform mainly include the following aspects:deepening the transformation work,solving the fund gap and adjusting the management strategy.The countermeasures to solve the problems after the reform mainly include the following aspects,such as to clarify the business ideas,seize the opportunity of reform and increase innovation.