深化我国农村信用社改革的若干政策建议

Some Policy Suggestions for Deepening the Reform of China’s Rural Credit Cooperatives

摘要: 随着农村金融体制的不断改革,形成了以农村信用社为代表的正规金融与民间金融共同存在、共同发展的新格局.在民间金融蓬勃发展的同时,农村信用社却由于历史的原因及自身体制的不健全,在发展过程中受到各种限制.文章通过两者之间的比较,借鉴民间金融发展的比较优势对农村信用社的改革提出政策建议,以促进农村信用社改革的深化.

Abstract: With the constant improvement of rural financial system,a new financial pattern, represented by Rural Credit Unions adopting nongovernmental finance and formal finance has taken shape. Along with the vigorous development of nongovernmental finance,Rural Credit Unions' development was constrained owing to the historical causes and imperfection of selfsystem.By comparing these two kinds of finance,this paper tries to provide policy proposals to promote the deepening of reform of Rural Credit Unions,based on study of the comparative advantages in nongovernment finance.