摘要
我国农村产业结构的演进对农村信用社的信贷行为结构产生了深刻的影响。本文对LD农村信用联社的案例研究表明,农村信用社一方面需要以支持农村经济发展为基础拓展业务领域,同时也必须适应农村城市化和产业结构调整进行必要的金融创新和制度创新。本文详尽解析了LD联社的存贷款业务创新和贷款风险控制与信用评估体系,并揭示了农村信用社信贷行为与农民信用意识培育之间的深刻内在联系。
The structural evolution of the rural economy has deeply influenced the structure of the credit behavior of rural credit cooperatives （BCC）. The case study of LD Rural Credit Coopexafives indicates that, on one hand, the RCC must broaden their operation fields basing on supporting rural economic development,and on the other hand, the BCC must make great progress on financial and institutional innovation to adapt them to the transition of rural economic structure. This paper analyzes the deposit and loan operation innovation and introduces its credit risk control and credit evaluation system, and reveals the inner relation between the credit behavior of RCC and the building of the credit conception of the rural residents.
出处
《财经科学》
CSSCI
北大核心
2006年第6期89-94,共6页
Finance & Economics
基金
国家社会科学基金项目(批准号:05CJL012)的阶段性成果
关键词
农村经济发展
农村信用社
制度变迁
rural economic development
nural credit cooperatives
institutional transition
