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农村信用社业务相对单一,中间业务发展不足,利息收入占了总业务的很大比重,而利率市场化将大幅挤压银行业的利差和利润空间,严重影响农村信用社的整体盈利性。农村信用社为实施成本精细化管理将涉及到方方面面,不仅仅是内部控制,同时也涉及到风险的管理和成本的控制,应该通过对各个环节的协调,实现农村信用社成本的精细化的管理,促进农村信用社的和谐发展。
Rural credit cooperatives have a relatively single business, and the middle business is underdeveloped. Interest income accounts for a large proportion of the total business. Interest rate liberalization will sharply squeeze interest rates and profit margins in the banking sector, seriously affecting the overall profitability of rural credit cooperatives. Rural credit cooperatives to implement the cost of refined management will involve all aspects, not only internal control, but also involves the risk management and cost control, should be coordinated through all aspects of rural credit cooperatives to achieve the cost of refined management , Promote the harmonious development of rural credit cooperatives.