我国的农村信用社发展现状研究.doc

我国农村信用社发展现状研究-以柯城农村信用社为例 摘要 柯城农村信用社目前已改革为柯城农村商业银行，成为衢州市的金融巨头，信用社的改革必然会为三农做出更多的贡献，推动农村的经济发展，改革以后信用社的明天将会越来越美好。 农村信用社随着信用社改革对于农村的发展起着越来越重要的作用，从目前来看，我国农村信用社无论从增资扩股完成票据发行法人治理结构、经营机制。 Abstract Kecheng rural credit cooperatives has reform Kecheng rural commercial bank, Quzhou city to become the financial giant, reform of credit cooperatives will contribute more to agriculture, promote rural economic development, reform of credit cooperatives will be more and more beautiful. Rural credit cooperatives with the reform of the credit cooperatives play a more and more important role in rural development, from the current point of view, Chinas rural credit cooperatives in terms of capital increase Kuogu bill issued corporate governance structure, operating mechanism are in progress, however, there are some specific problems, this paper hopes through the analysis of the specific the reform of city of rural credit cooperatives, the present situation of Chinas rural credit cooperatives and the analysis of existing problems, and puts forward countermeasures and suggestions, not only has the reality guiding sense to the city of rural credit cooperatives, for the reform and development of rural credit cooperatives and other similar to the corresponding reference. The reform of rural credit cooperatives since Kecheng business strategy analysis, including the macro environment and policy environment, analysis of Chinas rural credit cooperatives reform and the reform achievements, and propose my opinion on the reform of Chinas rural credit cooperatives, including speeding up the process of legislation of cooperative finance, establish security and health the development of rural credit cooperatives as soon as possible to rural credit cooperatives support policies. Keywords: rural credit cooperatives reform Kecheng credit cooperatives 目录 摘要 1 Abstract 2 一、绪论 4 （一）研究背景 4 （二）研究目的及意义 5 （三）研究方法 5 二、柯城信用社基本情况概述 6 （一）公司简介 6 （二）股东背景 6 （三）农村信用社的业绩 7 1.往年业绩 7 2.2013年以来的业绩 8 三、柯城农村信用社经营策略分析 11 （一）宏