深化农村信用社改革 改善农村金融服务——金融业有效支持社会主义新农村建设的思考

农村信用社自成立以来，虽先后历经五次大的改革，并取得很大成就，但长期困扰其发展的风险、体制、机制和队伍建设等深层问题并未解决。面对新农村建设的战略要求，应以坚持服务“三农”方向，坚持市场化，商业化取向，按照现代金融企业的要求，逐步把信用社办成产权明晰、经营有特色的社区性银行业机构的总体原则，不断深化农村信用社改革，加快解决农村信用社管理体制、产权制度、法人治理等方面存在的问题，实现其可持续发展，以更好地支持社会主义新农村建设。

Deepening Rural Credit Cooperative Reform to Improve Rural Finance Service——Thinking over Support of Finance Industry

Since the establishment of rural credit cooperative, it has experienced five big change, and has made great achievements, however, such deep -rooted problems as risk, regime mechanism, and personnel construction have not been properly solved. The strategy facing new countryside construction requests insisting＇serving for ＂ agriculture, peasants, countryside＂ direction, insisting the market -orientation and commercialization, according to the requirement of modern financial enterprise, sticking to the total principle of clear equity, featured operation for rural credit cooperative reform, gradually making rural credit cooperative a community banking institution, deepening rural credit cooperative reform, quickening to solve such problems as management regime, equity system, legal person governance, etc. realizing its sustainable development, so as to give a better service for new socialist countryside construction.