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农村信用社经过40多年特别是近10年来的发展,机构网点遍布农村,资金实力不断壮大,至1995年10月末,各项存款达6868亿元,所有者权益635亿元,总资产达10803亿元。近年来,全国农村信用社平均每年向农业生产累计发放贷款1000多亿元,去年1—10月份累放农业贷款1034亿元,有力地支持了粮棉油等种养业生产的发展。目前,我国60％以上的农业生产贷款、80％以上的农户贷款,都由农村信用社发放,信用社信贷资金投入已占农业总投入的将近30％,在增加农业投入中处于举足轻重的地位。
After more than 40 years of development, especially over the past 10 years, RCCs have spread all over the rural areas and their financial strength has been continuously expanding. By the end of October 1995, deposits of various kinds reached 686.8 billion yuan, with owner’s equity of 63.5 billion yuan and total assets of 1080.3 billion yuan yuan. In recent years, the rural credit cooperatives across the country have granted an average of more than 100 billion yuan of loans annually to agricultural production and accumulated 103.4 billion yuan of agricultural loans from January to October last year, effectively supporting the development of such breeding industries as grain and cotton oil. At present, over 60% of agricultural production loans and over 80% of peasant households’ loans in China are distributed by rural credit cooperatives. The credit capital of credit cooperatives has accounted for nearly 30% of the total agricultural input, which plays a decisive role in increasing agricultural input.