xx县农村信用社运行现状探析

摘  要

近年来，农村信用社作为农村金融主力军，积极深化改革，不断加大面向农村的资金供给，创新对外服务和内在管理模式，源源不断的资金流注入农村经济发展当中，在促进涉农企业良性运转的同时，也为农民的增收做了很大的贡献。但与此同时，它自身也积累和面临着许多亟待解决的问题，而这些问题的存在已经严重阻碍了农村信用社的可持续发展，使农信社偏离了“服务三农”这一目标。
为保证农信社不偏离服务“三农”的目标，同时建立有效的外部约束和自我发展机制，既实现追求一定盈利和为社员服务并举的双重目标，又适应地方经济发展，“股份+合作”制作为一种以合作制为基础，同时吸收股份制精华的产权制度，不失为一种很好的金融产权模式。
本文即在此基础上，采用案例分析的方法，选取了山西省祁县农村信用合作社的实例，从理论上具体分析了该农信社运行现状的原因、关键问题，并有针对性的提出了理论对策建议。
本文的重点是运用模糊综合评价模型对山西省祁县农村信用合作社的13个指标进行现状评价，并根据评价结果提出了具体的实证应对策略。
本文是在调查、分析、比较的基础上提出农村信用社运行现状存在的问题，并对其前景进行了展望，为中部经济较发达地区农村信用社的进一步深化改革提供一些启发与帮助。

关键词：农村信用社；运行现状；模糊综合评价模型

ABSTRACT

In the recent years, Rural Credit Cooperatives as the main force of rural finance deepen reform positively, increase the fund supply oriented to country continually innovates the foreign service and intrinsic management pattern. It continuously flow fund into the economy development of rural，promotes agriculture-related enterprises's favorable operation， also makes the very big contribution for farmer income addition. But at the same time, itself also accumulates and faces many questions which urgently await to be solved. These questions seriously has hindered Rural Credit Cooperatives's sustainable development and enable it deviate the goal of “served three agriculture”.
In order to guarantee Rural Credit Cooperatives not deviate the goal of “served three agriculture” and simultaneously establishes the effective exterior restraint and the self-development mechanism which mean the realization of dual goals which are the realizations of pursuing certain profit and serving the member of society, and adapts the development of local economy, the system of “ stock + cooperation” is one kind of Property Right System which takes cooperative system as foundation and simultaneously absorbs the joint stock system essence the property right system, so it is a very good financial property right model.
The article has selected some Rural Credit Cooperatives in Shanxi Province Qixian county using the method of case on this basis and has specifically analyzed Rural Credit Cooperatives’ the reason of present situation, the key question, and prospected the future of Rural Credit Cooperatives from the angle of stock cooperation system.The core of article is using 13 index which based on its financial report form and the foundation data carrying on the risk assessment and the risk control suggestion to some Rural Credit Cooperative in Shanxi Province .We can obtains the principia of max value which indicates it is no risk credit cooperative and has pointed risk control suggestion in Fuzzy Comprehensive Evaluation Model.
The article draws up the existing problems in Rural Credit Cooperative based on the investigation-analysis and comparison pointed out its direction of development, and provides some inspirations and help for the further deepened reform of rural credit cooperatives in middle economy developed area.
Keywords：Rural Credit Cooperative; the operating situation; Fuzzy Comprehensive Evaluation Model

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