农村合作信用社的现状、问题和对策

农村合作信用社是我国农村正规金融服务的主要提供机构。目前，我国农村合作信用社的发展水平差异很大：在经济发达地区，经营状况比较好，甚至出现了无农可扶的状况；而在经济欠发达地区，农村合作信用社经营效益差、自身发展困难。本文针对这些情况，分析指出我们在进行农村信用社改革时，应该采取差异化策略，以产权改革为重点，对其功能、机构、和管理模式进行重新界定，使之更好地为农村经济发展服务。

The Actuality, Problem& Countermeasure of China''''s Rural Credit Cooperative

Rural credit cooperative is the most important financial service provider in our rural area. In the present, the development level of our rural credit cooperative in our country varies dramatically. In economically developed area, the operation of rural credit cooperative is pretty good. In some place, there even are no presents that need financial help from rural credit cooperative. But in economically undeveloped area, the performance of rural credit cooperative is not very well. In according with above condition, we must adopt differential strategies in order to reform our rural credit cooperative. The property reform of rural credit cooperative must be the most critical measure we should adopt and at the same time, we must seriously redefine the function, mechanism and management of rural credit cooperative.