刍议我国农村信用代办站制度改革  

Discussion on System Reform of Rural Credit Institutions in China

作　　者：黄秋平[1] 

机构地区：[1]湖南农业大学纪委监察处,长沙410128

出　　处：《农业图书情报学刊》2007年第1期75-78,共4页Journal of Library and Information Sciences in Agriculture

摘　　要：农村信用代办站的改革势在必行。但是,从目前的改革实践来看,农村信用代办站制度的改革存在不少的缺陷,特别是没有从为农服务和长远的竞争角度来充分考虑。因此,文章认为,完全撤消信用代办站并不是一个最佳选择,撤消信用代办站组建信用联站也存在一些缺陷。可行的改革措施是搞好现有信用代办站的优化整合以维持一个完整的网络、组建信用中心站来预备将来的竞争以及加强信用代办站的风险管理来控制风险。It is imperative to undertake system reform of rural credit institution. But, viewing from current reform practice, system reform of rural credit institutions has many flaws, especially not takes full consideration of contributing service to the agriculture from a long-term competition angle. Therefore, this paper holds the view that it is not the best option to abolish completely rural credit institution though it exists a few faults to set up the credit association institutions. The feasible reform measure is to do well the optimized integration of the existing rural credit institutions to maintain a complete network, set up the credit central station to prepare future competition and strengthen the risk management of rural credit institution for risk control.

关 键 词：农村信用代办站 竞争 改革 

分 类 号：F832.35[经济管理—金融学]