贵州省平塘县农村信用社盈利能力分析_会计.docxVIP

目录 TOC \o 1-3 \h \u 摘要 III ABSTRACT IV 1绪论 1 1.1研究背景 1 1.2研究意义 1 2相关理论概述 2 2.1农村信用社概念 2 2.2盈利能力概念 3 2.3农信社发展历程及对农村经济行业的支持作用 3 3贵州省平塘县农村信用社盈利现状 6 3.1盈利性相关指标 6 3.2贵州省平塘县农村信用社盈利结构 7 3.3风险性相关指标 8 4贵州省平塘县农村信用社盈利能力存在的问题 10 4.1不良贷款数额巨大，影响盈利能力 10 4.2产品结构单一，严重依赖利息收入 10 4.3粗放式经营，经营成本控制不力 11 4.4经营体制行政化明显，造成经营效率低下 11 4.5外部竞争激烈，发展受到限制 12 5贵州省平塘县农村信用社盈利能力优化方案 13 5.1大力发展基础业务，有效控制化解不良资产 13 5.2探索业务创新，逐步改变盈利结构比重 13 5.3细分客户需求，建立有针对化的利率定价体系 14 5.4优化人员结构，提高经营软实力 15 5.5抓住时机，通过并购重组提升盈利能力 15 6结语 17 参考文献 18 致谢 19 贵州省平塘县农村信用社盈利能力分析 摘要 众所周知，在农村信用社50多年的发展历程中，作为农村金融主力军的信用社无论是在关注农民致富、支持农民增收，还是在保持农村稳定大局方面均起到了至关重要的作用。但随着我国农村经济的发展和商业银行业务的改革,农村信用社也面临前所未有的挑战,农村信用社要想在同业竞争的大环境中站稳脚跟，快速发展，就要在日常业务工作中与时俱进，完善绩效管理，创新经营机制。只有这样，农村信用社才能在提高盈利能力方面迈实质性的步伐，进而实现良好的社会效益和经济效益。 关键词：农村信用社，盈利能力，业务创新，盈利性及风险性 PAGE III 第 页 PAGE III Analysis on profitability of rural credit cooperatives in Pingtang County, Guizhou Province ABSTRACT As we all know, in the development of rural credit cooperatives for more than 50 years, the credit cooperatives, as the main force of rural finance, have played a vital role in both paying attention to farmerswealth, supporting farmersincome increase and maintaining the overall situation of rural stability. However, with the development of our countrys rural economy and the reform of commercial banking business, rural credit cooperatives are also facing unprecedented challenges. If rural credit cooperatives want to stand firm in the environment of peer competition and develop rapidly, they must keep pace with the times in their daily business work, perfect performance management and innovate management mechanism. Only in this way can rural credit unions improve their profitability substantially pace, and then achieve good social and economic benefits. Key words:Rural credit cooperatives, profitability, business innovation, profitability and risk