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我国近几年经济快速发展,但是我国一直坚持“以农补工”的政策,因此导致农业发展相对落后。近几年国家下大力度扶持农业,信用社是我国农村重要的金融机构,一直以来都相应政府政策,但是随着利率市场化,信用社金融机构面对了很多经营困境,因此合作社必须做出相应的对策。本文提出了明确市场定位、丰富金融产品、严格成本核算、健全管理机制以及引进高素质人才等几项应对策略。
In recent years, China has witnessed rapid economic development. However, our country has always adhered to the policy of “supplementing agriculture with subsidies”, thus leading to a relatively backward agricultural development. In recent years, the state has vigorously supported agriculture and credit cooperatives in rural areas in our country and has always been in line with government policies. However, with the marketization of interest rates, credit cooperative financial institutions have faced many operational difficulties and cooperatives must make corresponding strategy. This article proposes several countermeasures such as clarifying market positioning, enriching financial products, strict cost accounting, sound management mechanism, and introducing high-quality personnel.