农村信用社信贷结构改革的经济学分析

文章通过分析我国农村信用社信贷结构存在的管理体系问题、信贷流程问题和保障机制问题,揭示了制约农村信用社信贷结构改革的存量因素、经济环境、风险因素、人员素质和管理水平,提出了内涵式调整、管理型调整、稳健经营调整以及扩张性调整等农村信用社信贷结构改革的策略,最后阐述了大力拓展低风险市场、审慎完善信贷结构清理、有效优化信贷服务措施、积极稳妥发展潜在客户等农村信用社信贷结构改革的途径。

The Economics Analysis of the Structure Reform of Rural Credit Cooperative

The problems of management system,process of credit and loan,the security mechanism in rural credit cooperatives in China are analyzed.The result shows that the factors such as economic environment,risk,personnel and management level restraint the development of rural credit cooperatives.And then relevant strategies are put forward: internal adjustment,management reform,improvement of policies and the expansion plan.At last,the way to the structure reform of rural credit cooperative are proposed: to open lower risk market,optimize the credit and loan structure,develop potential customer.