制约石家庄农村信用社发展的因素及治理对策
内 容 摘 要
当前，我国社会经济发展迅猛，新农村建设的步伐越来越快，这也预示着我国农村经济发展进入了一个新的阶段。石家庄农村信用社是当地金融体系的重要组成部分，支撑并促进着石家庄农村经济的发展。但是，目前石家庄农信社在发展中仍然存在着一些突出的问题，例如历史包袱比较沉重、资产质量低下、产权不明晰、管理体制混乱、扶农助农作用不明显等等。为促进石家庄农信社在新形势下的可持续发展，健全农村信用社监管体系，防范农村信用社发展风险，创新农村信用社产品，丰富农村信用社服务，推进农村金融创新。因此，改善农村信用社的发展环境，对提高我国农村信用社发展的推动力，对改善和提升农村金融服务能力和水平、促进解决“三农”问题发挥重要作用。由于石家庄农村信用社在农村经济中的特殊性。
关键词：制约因素 农村信用社 治理对策
The Factors Restricting the Development of Rural Credit Cooperatives in Shijiazhuang and the Countermeasures
Abstract
At present， China’s rapid socio-economic development， the pace of new rural construction faster and faster， which also indicates that China’s rural economic development has entered a new stage. Shijiazhuang Rural Credit Cooperatives is an important part of the local financial system， supporting and promoting the development of rural economy in Shijiazhuang. However， there are still some outstanding problems in the development of Shijiazhuang Rural Credit Cooperatives. For example， the historical burden is heavy， the quality of assets is low， the property rights are not clear， the management system is chaotic， the agronomy is not obvious. In order to promote the sustainable development of Shijiazhuang Rural Credit Cooperatives under the new situation， improve the supervision system of rural credit cooperatives， prevent the development of rural credit cooperatives， innovate rural credit cooperatives products， enrich rural credit cooperatives and promote rural financial innovation. Therefore， to improve the development environment of rural credit cooperatives， to improve the development of rural credit cooperatives in China to promote and enhance the ability and level of rural financial services and promote the settlement of the “three rural” issue play an important role. Due to the particularity of Shijiazhuang rural credit cooperatives in rural economy.
Key words：restrictive factors rural credit cooperatives governance countermeasures
一、绪论………………………………………….. 5
（一）研究背景和意义……………………………… 5
（二）研究内容和方法……………………………… 5
二、石家庄农村信用社的发展现状………………………. 5
（一）2016年石家庄农村信用社资产负债规模……………. 5
（二）2004-2016石家庄总存贷款与农业存贷款…………… 6
三、制约石家庄农村、信用社发展的因素和成因分析………… 7
（一）制约石家庄农村信用社发展的因素………………… 7
1.信贷投入因素………………………………… 7
2.信用风险因素………………………………… 7
3.金融抑制因素………………………………… 7
（二）制约因素的成因分析………………………….. 7
1.农民贷款难问题突出…………………………… 7
2.农村信用社风险不稳定…………………………. 8
3.农村金融生态环境偏差…………………………. 8
四、石家庄农村信用社发展的战略组合与发展对策………….. 8
（一）创新农村信用社产品，丰富农村信用社服务…………. 8
（二）健全农村信用社监管体系，防范农村信用社发展风险…… 8
（三）加强农村信贷信用环境建设，建设廉洁的农村经济发展思想 8
参 考 文 献……………………………………….. 9
