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农村信用社是我国银行体系的重要组成部分,是农村金融的主力军,在支持城乡统筹发展,逐步改变城乡二元结构中具有举足轻重的作用。同时面临着不少困难和问题,是潜在风险相对较大的金融机构。近年来,农信社的信贷市场份额出现了急剧下降的趋势,对其服务“三农”和防范经营风险产生了不可忽视的影响。为深入剖析这一现象,我们专题调查分析了2000年以来绍兴市农信社系统贷款市场份额的变化情况,探究具体原因,并提出了抑制农信社贷款市场份额过快下降的对策建议。
Rural Credit Cooperatives is an important part of China’s banking system and the main force of rural finance. It plays a decisive role in supporting the overall development of urban and rural areas and gradually changing the dual structure of urban and rural areas. At the same time, it faces many difficulties and problems and is a financial institution with a relatively large potential risk. In recent years, the credit market share of RCCs has shown a sharp downward trend, which has had a significant impact on serving “agriculture, rural areas and farmers” and preventing operational risks. In order to further analyze this phenomenon, we surveyed and analyzed the changes of the market share of the system of rural credit cooperatives in Shaoxing since 2000, probed into the specific reasons, and put forward countermeasures and suggestions to curb the excessive drop in the loan market share of rural credit cooperatives.