浅谈农村信用社发展的战略及对策选择

本文在分析农信社的性质、宗旨，经营管理存在的主要问题及面临的风险，农信社的比较优势等基础上，提出了农信社今后发展的战略和对策：一是健全运作规范的治理结构；二是坚持双重目标的经营原则；三是朝农村合作银行方向发展；四是创新业务品种，拓展业务领域；五是抓紧改革人事制度；六是加强金融监管，完善内控制度和风险监测制度；七是加大对农村信用社的扶持力度；八是应用现代科技，加强预警监测；九是运用优胜劣汰的市场机制

Rural Credit Cooperatives: Development Strategies and Countermeasures

Through analysis of the nature. objective, key issues in management, possible risks and favourable conditions of rural credit cooperatives, this paper ventures out the following strategies and countermeasures for their prospective development: improved governance of standardized operation. adherence to the principle of dual objectives. orientation to rural cooperative banks. provision of new services and broadening of business scope. consolidation of personnel system reform. reinforcement in financial monitoring and improvement of inner control and risk-detection system. increasing support for rural credit cooperatives. utilization of modern science and technology and strengthening of risk control. implementation of the market mechanism of survival for the fittest and standardization of the bankruptcy system.