论文部分内容阅读
我国的少数民族大都聚居于山区及广大西部地区,绝大多数少数民族地区没有摆脱贫穷落后,目前已成为我国全面建设小康社会的重点和难点之一。 经济决定金融。少数民族地区农村经济的相对落后,相应地制约了其辖区内农村信用社的经营和发展。具体表现为:存款增长乏力,市场份额下降;贷款总量增长较快,营运资金渐趋紧张;农民收入增长缓慢,不良贷款居高不下;点多面广线长,给管理和发展带来困难。困扰少数民族地区农村信用社经营发展的因素:一是人页富余与人才紧缺的矛盾;二是员工数量偏多与人均业务相对较少的矛盾;三是历史包袱与负重发展的矛盾;四是资金运用与经营效益的矛盾;五是服务“三农”与经营风险的矛盾;六是服务项目单一、结算渠道不畅与经济、金融发展不适应的矛盾。 现实情况表明,少数民族地区农村信用社实现真正意义的稳健经营和稳步发展,相对发达地区而言,的确有一段较长的路要走。在不断争取相关扶持政策的同时,需要少数民族地区农村信用社管理者及广大员工多动脑筋,多想办法,艰苦奋斗,迎难而上。 实现少数民族地区农村信用社的稳步发展,必须调整经营理念,注重质量效益。在经营原则上,按照依法、合规、安全、稳健的原则开展经营活动;在资金组织上,要在不断扩大存款市场占有份额的基础上优化负债?
Most ethnic minorities in our country live in mountainous areas and the vast western areas. The vast majority of ethnic minority areas have not got rid of their poverty and backwardness and have now become one of the key and difficult points in building an overall well-to-do society in our country. Economic decision to finance. The relative backwardness of the rural economy in ethnic minority areas has correspondingly restricted the operation and development of rural credit cooperatives in their jurisdictions. The concrete manifestation is: the sluggish growth of deposits and the decline of market share; the rapid growth of total loans and the tightening of working capital; the slow growth of peasants’ incomes and the persistence of high non-performing loans; and the widening of points and long lines have brought difficulties to management and development. The factors that plague the operation and development of rural credit cooperatives in ethnic minority areas are: firstly, the contradiction between surplus of manpage and shortage of talents; second, the contradiction between the relatively large number of employees and per capita business; thirdly, the contradiction between the burden of history and the development of weight-bearing; The contradiction between the utilization of funds and the operating efficiency; the contradiction between serving the “three rural issues” and business risks; the sixth is the contradiction between a single service project, poor settlement channels, and unfit economic and financial development. The reality shows that rural credit cooperatives in ethnic minority areas have achieved a real sense of sound operation and steady development, and the relatively developed areas do have a long way to go. In the continuous fight for the relevant supportive policies at the same time, the need for rural credit cooperatives managers and the majority of employees in ethnic minority areas more brains, think of ways, work hard, meet difficulties. To realize the steady development of rural credit cooperatives in ethnic minority areas, we must adjust our business philosophy and focus on quality and efficiency. In terms of operating principles, we should conduct business activities in accordance with the principles of law, compliance, safety and prudence. On the capital structure, should we optimize the liabilities based on the continuous expansion of the market share in the deposit market?