城乡一体化进程中浙江省农村信用社发展定位剖析.docVIP

城乡一体化进程中浙江省农村信用社发展定位剖析 　　[摘要]城乡一体化的稳步推进引起了农村经济的深刻变化,浙江农村形成了多元化的社会结构、公共投入进一步提高,对金融支持的需求日益增强,从而对农村信用社的经营管理产生了深远的影响。农村信用社在城乡一体化进程中必须明确指导原则、经营方向、业务和机构发展的定位,并解决如何寻找为“三农”服务与追求盈利的最佳结合点、如何实现规模效率和地域限制的最佳结合点以及如何实现提高地方经济贡献度与风险防范的最佳结合点这三个问题。 　　[关键词]城乡一体化;浙江;农村信用社;发展定位 　　[中图分类号][F830.61][文献标识码][A][文章编号][1002-736X(2010)06-0116-04] 　　[作者简介]胡玲敏(1969-),女,水质江永康人,浙江经济职业技术学院财会金融学院副教授,研究方向:农村金融、财务会计。 　　 　　The Orientation of Zhejiang Rural Credit Cooperatives in the Process 　　of Integration of Urban and Rural Areas 　　Hu Lingmin 　　(Accounting and Finance institute, Zhejiang Technology Institute of Economy, Hangzhou, Zhejiang 310018) 　　 　　Abstract: Steady progress of the integration of urban and rural areas caused profound changes in the rural economy, rural areas in Zhejiang Province have formed a diversified social structure, public input is further improve and demand for financial support is increased. The operation and management of rural credit cooperatives have had a profound impact on rural areas. Therefore, guidelines, management direction, business and institutional development of the positioning have to be nailed down in the process of integration of urban and rural areas for Zhejiang rural creditcooperative. Andthree issues are needed to be solved, which are how to find out the best point of combining seeking profit and service for agriculture, rural areas and farmers, how to realize the combination of scale efficiency and geographical restrictions, how to improve the local economic contribution and rise risk prevention. 　　Key words: integration of urban and rural areas; Zhejiang Province; rural credit cooperatives; orientation 　　 　　一、浙江省城乡一体化现状及农村经济的变化 　　 　　(一)浙江省城乡一体化发展现状分析 　　改革开放以来,随着浙江省经济的飞速发展,城乡一体化进程稳健推进。目前全省工业化正处中后期阶段,城市化已达到较高水平,城乡一体化呈现良好局面,城乡二元结构逐渐打破,城乡布局统筹规划,城市基础设施向农村延伸,城市社会服务事业向农村覆盖,城市文明向农村辐射,形成城市与农村相互促进、农业与工业整体联动、经济与社会协调发展、人与自然和谐共处的发展格局,在全国率先走出一条以城带乡、以工促农、城乡一体化发展的新路子。 　　至2008年末,浙江省城市化水平已经达到57.6%,超过同期全国城市化平均水平11.9个百分点,比1978年的14.5%高43.1个百分点。 　　 　　另外,