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众所周知,农业是国民经济的基础,信贷支农是农村信用社一项义不容辞的任务,农村、农业、农民是农村信用社赖以生存和发展的基础。因此,农村信用社广大员工要在信贷支农工作中,制定各种有效的措施,竭尽全力地支持农业生产的发展。但是,农村信用社在信贷支农工作中还存在着一些困难和问题,具体有以下几方面。 1.经营效益问题。农村信用社信贷的主要投向是“三农”贷款,由于农业贷款利率低,直接影响了信用社的经营效益。目前,农村信用执行的农业贷款利率,是国家规定的基准利率。执行基准利率,如果是活期存款比重大的信用社,尚能保本经营;而定期存款比重大
As we all know, agriculture is the foundation of the national economy. Credit support for agriculture is an obligatory task for rural credit cooperatives. Rural areas, agriculture and peasants are the basis for the survival and development of rural credit cooperatives. Therefore, the majority of RCCs’ employees should make all kinds of effective measures in credit supporting agriculture and do their utmost to support the development of agricultural production. However, there are still some difficulties and problems in rural credit cooperatives in credit support for agriculture, in particular in the following aspects. 1. Business efficiency issues. Rural Credit Cooperatives credit is the main investment “three rural” loans, due to the low interest rates of agricultural loans, a direct impact on the credit cooperatives operating efficiency. At present, the agricultural loan interest rate for the implementation of rural credit is the national benchmark interest rate. The implementation of the benchmark interest rate, if it is a large proportion of demand deposits, credit cooperatives, still able to capital operation; and large proportion of time deposits