黑龙江省呼玛县农村信用社发展对策研究

发布时间：2018-08-28 13:14

【摘要】：随着进一步深化我国农村信用社改革,全国范围内尤其是较发达地区的农村信用社有了很大的进步与发展,但现阶段农村信用社仍旧存在的一些问题,尤其是较偏远的欠发达地区,本文以黑龙江省呼玛县农村信用社为例,通过大量的数据分析以及实地调研,对如何高其持续竞争力,从而推进农村信用社发展的问题进行研究分析,通过解决其人力资源配置不合理,金融创新能力不足,服务能力较低,监管体制不健全等问题,根据其特殊性对其未来发展提出可行性的对策,从大力引进人才,提升创新能力,培养服务意识与服务水平,加强监管,创建一套科学的管理机制、信用社文化体系建设等方面入手,在当前国家大力支持农业发展的宏观背景与银行业激烈竞争的微观背景下,使呼玛县农村信用社真正立足并服务"三农",使其逐步成为能够充分满足农村经济需求的功能性的地方金融机构,真正促进县域经济的发展。
[Abstract]:With the further deepening of the reform of rural credit cooperatives in China, the rural credit cooperatives in the whole country, especially in the more developed areas, have made great progress and development, but there are still some problems existing in the rural credit cooperatives at the present stage. Especially in the remote underdeveloped areas, this paper takes the rural credit cooperatives of Huma County in Heilongjiang Province as an example, through a lot of data analysis and field research, how to improve its sustainable competitiveness. In order to promote the development of rural credit cooperatives to carry out research and analysis, by solving its human resources allocation is unreasonable, financial innovation capacity is insufficient, service capacity is low, supervision system is not perfect, and so on. According to its particularity, it puts forward feasible countermeasures for its future development, from introducing talents, promoting innovation ability, cultivating service consciousness and service level, strengthening supervision and establishing a set of scientific management mechanism. Starting with the construction of the cultural system of the credit cooperatives, under the macro background of the state's vigorous support for the development of agriculture and the micro background of the fierce competition in the banking sector, So that the rural credit cooperatives of Huma County can truly base themselves on and serve the "three rural areas" and gradually become the functional local financial institutions which can fully meet the needs of the rural economy, and promote the development of the county economy.
【作者单位】：东北农业大学;
【分类号】：F832.35

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