发展农村信用合作社农户消费信贷的探讨——以浙江台州为例

    摘  要：自1996年全国的农村信用合作社（以下简称农信社）由中国人民银行托管至今，农信社经过一系列整顿和规范后，在存贷资金量和其他金融服务中取得明显成效。面对农村巨大的消费品市场，农信社如何全面开展农户消费信贷业务，执掌农村的金融市场，势必为将来更好地参与同业竞争产生积极重要的现实意义。本文分析了对农信社发展农户消费信贷的现状和问题，并运用SWOT分析模型，总结出对农信社发展农户消费信贷的现实选择。
    关键词：消费信贷;优质客户；三农；信用制度

The development of rural credit cooperatives of household consumer credit
——Taizhou of Zhejiang Province as an example
Abstract:Since 1996, the country's rural credit cooperatives (hereinafter referred to as rural credit cooperatives) from the People's Bank managed so far, after a series of rectifying and standardizing the rural credit cooperatives, the amount of money in the savings and loan and other financial services to achieve significant results. The face of a huge market for consumer goods in rural areas, rural credit cooperatives to conduct a comprehensive household consumer credit business, in charge of rural financial markets is bound to the future to better participate in intra-industry competition have a positive major practical significance. This paper analyzes the development of rural credit cooperatives farmers status and problems of consumer credit and the use of SWOT analysis model, summarized the development of rural credit cooperatives farmers a realistic choice of consumer credit.
Keywords: Consumer credit; High-quality clients; Three rural; Credit System

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