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随着农业银行加快步伐重征农村金融阵地,邮储银行向“三农”领域快速拓展,以及农村金融市场准入条件放宽,村镇银行、小额贷款公司等多种形式的农村金融机构如雨后春笋般地出现,农村金融市场呈现出组织多元化、竞争激烈化的格局。新形势下,农村信用社如何认清目前形势,积极采取措施,迎接挑战,应对竞争,已经成为一个亟待研究解决的重要课题。1.农村信用社的参与市场竞争的比较优势和劣势1.1农村信用社的竞争比较优势一是拥有一定的物质基础。农信社长期扎根农村,在县域金融市场中存贷规模和盈利能力均居同业首位拥有雄厚的资金规模和实
With the accelerating pace of Agricultural Bank re-levying rural financial positions, the rapid development of Postal Savings Bank to the “three rural” areas, as well as rural access to financial markets to relax conditions, village banks, small loan companies and other forms of rural financial institutions Have mushroomed appear, the rural financial market shows a pattern of organizational diversity and fierce competition. Under the new situation, how to recognize the current situation in rural credit cooperatives, take active measures, meet challenges and cope with competition has become an important issue to be solved urgently. 1. The comparative advantage and disadvantage of rural credit cooperatives participating in market competition 1.1 The comparative advantage of rural credit cooperatives First, they have a certain material basis. Rural credit cooperatives long-term roots in rural areas, in the county financial markets deposit and loan scale and profitability rank first in the industry with a solid financial scale and real