民间金融兴盛与农村信用社改革

通过对农村信用社的困境与民间金融兴盛的比对，指出民间金融兴盛是与民间金融组织具有产权明晰、利率灵活、手续简便、交易效率高、服务成本较低、贷款期限较长且灵活可变等优点分不开的，提出农村信用社要使自身更有活力，能更好地满足我国农村、农业发展对金融服务的需求，扩大对农村市场的占领，就应该借鉴民间金融组织的可取之处，其改革重点应放在产权制度、金融产品创新、利率政策、服务机制、小额信贷制度、提高员工业务技能与素质等方面。

The nongovernmental finance and the Rural Credit Cooperatives' reform

After contrasting the dilemma of the Rural Credit Cooperatives and the flourishing of the nongovernmental finance, this paper points out that the nongovernmental finance is flourishing just because the nongovernmental finance organizations have some advantages like clear property right,flexible interest rate ,simple and convenient procedure,higher transaction efficiency ,lower service cost, long and flexible time limit of loan. It is suggested that the Rural Credit Cooperatives should use the good qualities of the nongovernmental finance organization for reference, lay heavy stress of reform on property relations, innovations of finance product, policy of interest rate, mechanism of service, improving small loan regulations, heightening service skill and quality of the staff.