一、基层社存在的主要问题1.资金短缺,周转困难。全省279个基层社共有流动资产31449万元(其中自有流动资金2022.2万元),而经济包袱却达31536万元,占基层社资产总额的65%。由于资金沉淀大,不能参与正常的资金运转,而且每年要为此支付几千万元的利息。据调查,有自有流动资金的基层社73个,仅占基层社总数的26.2%。目前,银行除了对个别效益较好的基层社提供部分贷款外,基本上停止了对基层社的贷款。2.管理水平低。主要表现在几个方面:一是管理人员文化素质低,基层社领导的文化水平以初、高中为主,占基层社领导总数的83.9%,具备大、中专以上文化水平的仅占13.8%。二是管理基础差,尤其是基层社领导把握不准“放”与“管”的尺度,对承包门店存在以包代管或包而不管的问题,造成基层社资金管理失控。三是财会部门的 First, the main problems of grassroots social organizations 1. Shortage of funds, liquidity difficulties. The 279 grass-roots units in the province had total current assets of 314.49 million yuan (including 20.222 million yuan of self-owned circulating funds), while the economic burden reached 315.36 million yuan, accounting for 65% of the total assets of grass-roots units. Due to the large amount of capital precipitation, we can not participate in the normal operation of funds and pay tens of millions of interest annually for this purpose. According to the survey, there are 73 grassroots units with their own working capital, accounting for only 26.2% of the total number of grassroots units. At present, banks have basically stopped lending to grass-roots units except for providing partial loans to some grass-roots units that are better off. Low management level Mainly manifested in several aspects: First, the cultural quality of managers is low, grassroots level leadership of the cultural level of primary and secondary schools, accounting for 83.9% of the total number of grassroots leadership, with a large, secondary or higher cultural level only 13.8% . Second, poor management foundation, especially the grass-roots community leaders are not allowed to hold “release ” and “tube ” scale, contracting stores exist to guarantee or package regardless of the issue, resulting in grassroots funds out of control. Third, the accounting department