湖南常德安乡县城关信用社地处安乡县城中心,很长一个时期里,相对于县城其他银行业机构,其资金规模小、服务地域窄、涉及农户少,在激烈的同业竞争中处于“夹缝生存”的困境。然而近几年,这家农信社不断壮大的实力却让周围的同业刮目相看。他们的发展之道何在呢?原来,近几年,安乡县城内国有商业银行信贷资金供应量明显减少,而小企业信贷资金需求却明显增加,这家农信社瞄准小企业,实施“抓小扶大”的信贷策略,信贷扶持小企业做大做强,探索出了县城地区农信社依靠小企业贷款品牌实现可持续发展的成功之路。 Anxiang County, Hunan Chengguan credit cooperatives located in Anxiang county center, a long period of time, relative to the county’s other banking institutions, the small size of its funds, the service area is narrow, involving fewer farmers in the fierce competition with the industry in the “ Catch survival ”predicament. However, in recent years, the growing strength of this rural credit cooperatives has caused all its colleagues in the industry to be preoccupied. In fact, in recent years, the supply of credit funds by state-owned commercial banks in Anxiang county has dropped significantly while the demand for credit funds for small enterprises has increased markedly. The RCCs aimed at small enterprises and implemented “grasping Small help big ”credit strategy, credit support small and medium enterprises bigger and stronger, explored the county rural credit cooperatives rely on small business loan brand to achieve sustainable development of the road.