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制约发展的主观原因:传统的信贷管理理念如何实现支农与增效的双目标,提高我国农信社的资产质量和盈利水平,首先要从分析我国农信社的现状入手。从农信社的整体情况看,绝大多数农信社的收入90%左右主要靠贷款的利息收入,而剩余的10%左右主要来源于诸如代收代缴电话费、水电费等低层次的中间业务收入。因为主要靠吸收存款、发放贷款赚取利息收入以及赚取低层次中
The Subjective Reasons for Restricting Development: How to Realize the Dual Objectives of Supporting Agriculture and Improving Efficiency and Improving the Asset Quality and Profitability of China’s Rural Credit Cooperatives Based on the Traditional Theory of Credit Management First, we should start with the analysis of the current situation of China’s rural credit cooperatives. According to the overall situation of RCCs, about 90% of the income of the vast majority of rural credit cooperatives mainly depends on the interest income from loans. The remaining 10% mainly come from such low-level Intermediate business income. Because mainly by absorbing deposits, loans to earn interest income and earn low-level