打造“农民自己的银行”——鄂州市农村信用社摆脱困境的调查与思考

Establishing Peasant's Own Bank ——Investigation and Thinking About Rural Credit Corporative in Ezhou Getting Rid of Trouble

本文从加入WTO之后农村信用社面临的严峻形势入手 ,通过深入调查 ,了解到鄂州农村信用社当前存在的管理体制不顺、发展环境不优、资金来源不足、资产存量不活、信贷方式不新、运行质量不高等问题 ,提出了新形势下农村信用社走出困境的对策措施 ,并得出了农村信用社只有根植于农村大地 ,人往农村去 ,心往农村想 ,钱往农村投 ,实现“本性回归” ,打造“农民自己的银行” 。

Owing to joining WTO,rural credit corporative faces an acute situation.By deep survey ,the article thinks that problems below exist in current rural credit corporative:impeded management system,imperfectible development circumstance,unsufficient capital source,dead alive assets stock,untimely credit form,lower performing quality.It puts forward counter measures of rural credit corporative getting rid of trouble,and draws a basic conclusion——only striking root on countryside,members' going to countryside,capital's being invested to countryside,carrying out “coming back of natural character”,is the key to getting rid of trouble.