农村信用合作社经营性风险因素探究

农村信用合作所具有的资金规模小、专业特色强、地域性经营等特点，使农信社面临着资本保障不足、融资能力不强、运营成本高等经营性风险因素，要防范和化解这些风险因素，就必须改革农村信用社的经营管理体制，加强业务监管，并给予必要的政策扶持。

Probing into the Factors of Risk in the Operationof Rural Credit Cooperative

Such features in the operation of Rural Credit Cooperative (short for RCC)as small amount of capital,special operation and the locality in operation,make RCC face the following factors of risks:insufficient capital for guarantee,lower ability of circulating necessary funds,high cost in capital_operation, etc Inorder to avoid and minimize these potential risks,the following effective me asures should be taken:to reform the operative and managerial system of RCC,to place more emphasis on supervision and provide necessary favorable policies