陈亮 解晓悦

摘 要：在当前日益激烈的市场竞争中，与同业其他金融机构相比，农村信用社无论是资产质量还是盈利手段都存在较大差距，如何在激烈复杂的竞争环境中实现信用社的全面可持续发展是一个需要不断探索的重大课题。该文对晋中市农村信用社发展现状、存在问题进行分析，指出管理机制、用人机制、制度、外部环境等方面存在不完善的方面，提出了农村信用社效率提升对策：合理解决农商行改制前面临的实际问题，加强制定风险防范机制，实现员工保障制度，充分发挥科技支撑作用等，为促进农村信用社进一步健康发展，提供合理化建议和参考。

关键词：农村信用社；经营现状；问题；对策

中图分类号 F832.35 文献标识码 A 文章编号 1007-7731（2016）10-0019-05

Study on Development Problems and Countermeasures of Rural Credit Cooperatives in Jinzhong City

Chen Liang et al.

（School of Economics and Management，Shanxi Agricultural University，Jinzhong 030801，China）

Abstract：In the increasingly fierce competitive market，compared with the other financial industry，rural credit cooperatives have a wide gap in both asset quality and profitability means，how to achieve comprehensive and sustainable development in the highly complex competitive environment is a major issue that needs to explore. This paper analyzes the current situation and existing problems of rural credit cooperatives in Jinzhong，pointing out the presence of the management mechanism，the employment mechanism，institutional，environmental and other external imperfections. Countermeasures are put forward to increase the efficiency of rural credit cooperatives：reasonably solve the practical problems facing agricultural firms before the restructuring，strengthen the establishment of risk prevention mechanism，realize the staff security system，give full play to the role of science and technology support to provide reasonable suggestions and reference for promoting the further healthy development of rural credit cooperatives.

Key words：Rural Credit Cooperatives；Operating Status；Problems；Countermeasure

晋中市农村信用社经过逾60多a的发展，截至目前在职人员3 953名，已成为全市服务人员最多、覆盖面积最广、资金规模较大、业务种类众多的以服务“三农”为主体的金融服务机构。晋中市农村信用社经过多年来不断的模式改革，经历了商行改制、高风险化解、改善经营和创新，实现了质与量的提升。截至2015年末，存款余额达740亿元，贷款余额达466亿元，农业贷款余额为427亿元。晋中市农村信用社为晋中市的农村经济发展提供了极为重要的金融支撑。

1 晋中市农村信用社发展经营现状

1.1 经营规模不断扩大 经营规模使用了2011-2015年的数据并分析了晋中市农信社的存贷款变化情况，如图1所示。晋中市农村信用社的存款余额和贷款余额从2011-2015年呈逐渐递增的态势，其中，存款余额由2011年的4 202 264万元增加到2015年的7 397 339万元，增长幅度达到76.03%；……