农信社市场定位再思考

• 作 者: 肖伟 房德东
• 机 构: 莱阳农学院,莱阳农学院,
• 出 处: 中国农村信用合作
• 发表日期: 2006年07期
• 关键词: 市场定位 商业性银行 农村市场 产业化程度 农业产值 商业银行 不平衡 相对规模 不良贷款清收 地方经济

市场定位的实际需求农村市场需要农信社的金融支持。虽然我国一些农业大省农业产值高,农业产业化程度高,中小企业众多,但普遍存在各地区之间发展不平衡的问题。而且一直困绕农村市场的农户贷款难、中小企业融资难等问题依然没有得到全面解决。因此,作为从农村发展成长起来的金融机构,在政策性银行缺位、商业性银行流失的情况下其作用日益明显。

The actual needs of market positioning The rural market needs the financial support of rural credit cooperatives. Although some agricultural big provinces in China have a high agricultural output value, a high degree of industrialization in agriculture and a large number of small and medium-sized enterprises, the imbalance in development among various regions is widespread. Moreover, the peasants who have been trapping the rural market have difficulty in obtaining loans and the problems of SME financing are still not fully resolved. Therefore, as a financial institution that has grown up in rural areas, its role is increasingly evident in the absence of policy banks and in the loss of commercial banks.