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2022-05-16 20:18浙江省农村信用社是从1952年开始发展起来的，以服务“三农”为宗旨，在促进全省农业发展、农村繁荣和农民增收等方面发挥了不可替代的作用。1996年7月全国农村金融体制改革工作会议后，根据《国务院关于农村金融体制改革的决定》，与中国农业银行全面脱离了行政隶属关系，并组建了浙江省农村金融体制改革领导小组。1996年到2003年进入健康发展期，并于1999年11月组建了浙江省信用合作协会。2004年4月18日组建了浙江省农信联社。全省农村信用社在省内真正有了自己的总部。到2010年6月末，组建成立42家农村合作银行和39家农村信用联社。
英文摘要和关键词
摘要
Abstract
农村信用社是服务“三农”的主力军，是联系农民的桥梁和纽带，在促进农民增收致富及农村经济发展等方面发挥了积极作用。但长期以来，中国农村一直处于资金短缺状态，资金容量不足，金融体系脆弱。在商业银行逐渐退出农村市场的情况下，目前仅存于农村的农村信用社已是支撑农村经济可持续发展的主要平台。农村信用社在发展过程中，由于受历史原因、体制原因和外部环境等多方面因素的影响，当前还面临着一系列困难和问题。当前全面建设社会主义新农村，加快农村经济发展，是农村信用社面临的一项重要任务。农村信用社支持农业和农村经济发展，推进社会主义新农村建设，不仅责无旁贷，而且作用很大。农村信用社在这一时期的改革如火如荼，政府筹划接手农村信用社的经营管理，农村信用社积极增资扩股，监管部门认真的进行政策指导，切实加强行为规范。
The Rural credit cooperative is the service “three agriculture” the main army, is relates farmer's bridge and the link, was promoting farmer aspects and so on additionally receiving becoming rich and rural economic development has played the positive role. But since long, the Chinese countryside has been at the fund shortage condition, the fund capacity is insufficient, the financial system is frail. In the Commercial bank withdraws from the rural market gradually in the situation, at present only saves in the countryside Rural credit cooperative already is supports the rural economy sustainable development the main platform. The Rural credit cooperative in the developing process, as a result of the historical reason, the system reason and the external environment and so on various factor's influence, current is also facing a series of difficulties and the question. The current comprehensive build socialism new countryside, speeds up the rural economic development, is an important task which the Rural credit cooperative faces. The Rural credit cooperative supports the agriculture and the rural economic development, the advancement socialism new rural reconstruction, is not only duty-bound, moreover affects is very big. The Rural credit cooperative is like a raging fire in this time's reform, the government prepares to take over Rural credit cooperative's management and operation, the Rural credit cooperative increases funding positively expands the stock earnestly, the Supervisory department carries on the policy instruction, strengthens the behavior standards earnestly.
同时随着农村金融体制改革的深化，农村信用社的管理体制与经营环境发生了深刻的变化。农村信用社管理体制的变化，对金融监管提出了新的要求，只有创新金融理念，明确监管职责，改进监管方式，建立完善的内部控制制度，才能有效控制和化解农村信用社的经营风险，以促进农村信用社的安全稳健发展。新一轮的农村信用社改革通过中央支持、地方政府主导，社会各方面广泛参与，使得经营困难的农信社变化较大。但当前农信社改革试点中存在的主要问题亟需在进一步改革中解决。
Meanwhile along with the rural finance organizational reform's deepening, Rural credit cooperative's management system and the condition of business has had the deep transformation. The Rural credit cooperative management system's change, set the new request to the financial supervision, only then the innovation finance idea, is clear about the supervision responsibility, the improvement supervision way, establishes the perfect internal control system, can the active control and melts Rural credit cooperative's operational risk, promotes Rural credit cooperative's security steady development. The new round Rural credit cooperative reforms through the central support, the Local authority leads, social various aspects widely participation, cause the management difficult agriculture letter society change to be big. But in the current agricultural letter society pilot reform exists the subject matter needs, in further reforms solves.
在曲折的发展历程、复杂的现实难题和难以摆脱的路径依赖之下，如何走出一条符合农村信用社实际并实现其全面协调可持续的改革发展之路，始终是一个需要不断探索的重大课题。
In the winding development process, the complex realistic difficult problem and get rid with difficulty under the way dependence, how to go out one to conform to the Rural credit cooperative actual and realizes it to be comprehensively coordinated road of the sustainable reform development, is the important issue which throughout needs to explore unceasingly.
关键词：Key word
金融监管 Financial supervision
农村信用社 Rural credit cooperative
体制改革 Organizational reform
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