农村信用社的经营理念及实施(国外英语资料).doc

农村信用社的经营理念及实施 The low quality of rural credit cooperatives, losses, insolvency, high risk credit cooperatives accounted for the higher problem has plagued the survival and development, face the reality, the historical mission of the contemporary people must assume all survive and development, we need to do is to clarify ideas, identify the correct measures, after a a period of adjustment, and ultimately to the healthy development of the road. To this end, we must first determine the correct business philosophy, and then under the guidance of this concept, the reform of existing management systems and shortcomings in the way, to determine a smooth implementation of the management system and measures. First, the management concept of rural credit cooperatives What is our business philosophy? Business philosophy is the soul of an enterprise. It is the highest guiding principle of business activities such as enterprise management and management concept. The business philosophy of rural credit cooperatives must be sought from its essential provisions and living space. From the history of the development of rural credit cooperatives, it is a cooperative financial organization formed by farmers shares. The object of its service is three rural issues. As a financial organization and an economic entity, credit cooperatives must survive and develop, and must implement economic accounting system, and must have profits. From the micro perspective, the rural credit cooperatives in the safe money is dead, the operating results of profits from loans, loans to households in the operating results, the rural credit cooperatives profits protection; its operating results worse, the rural credit cooperatives profits will not guarantee, and there is a risk of loan principal loss. From a macro point of view, rural, agricultural and farmers, if the economy is booming, the rural credit cooperatives will flourish; on the contrary, the rural credit cooperatives will follow the depression. Bo