自2008年起,山东省新泰县的农村金融市场进入了多元化时代,邮储银行开办信贷业务,一些村镇银行也相继成立,农村信用社深受威胁。这种金融环境促使农村信用社尤其是基层社放弃“一家独大”的旧有梦想,强化管理、防范风险、优化营销,在保证现有市场份额的基础上持续实现规模发展。 Since 2008, the rural financial market in Xintai County of Shandong Province has entered a pluralistic era. The postal savings bank started the credit business and some rural banks have also been set up. The rural credit cooperatives are under threat. This kind of financial environment has prompted rural credit cooperatives, especially grassroots units, to abandon the old dream of “one big one”, strengthen management, prevent risks and optimize marketing, and continue to achieve scale development on the basis of ensuring the existing market share.