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农村信用社传统的经营理念、僵化的信贷管理模式、机械的额度限制,单一的服务手段已经越来越不适应农村经济发展和农民扩大再生产的需要。黑龙江省庆安县农村信用联社因地制宜,根据农信社的经营特点和市场定位,在总结联保贷款、信用贷款和保证担保贷款等多种贷款方式经验的基础上,推出了农户授信联保贷款“一证通”新业务产品,为农信社找准市场定位、提供高效便民服务、拓展信贷业务探索出了一条新路。
Rural credit cooperatives traditional management philosophy, rigid credit management, limit the amount of machinery, a single means of service has become increasingly unsuited to the development of rural economy and farmers to expand reproduction needs. Qing’an County Rural Credit Association of Heilongjiang Province, according to local conditions, according to the operating characteristics of RCCs and market positioning, on the basis of summing up the experience of various loan methods such as UNPROFOR loans, credit loans and guarantee of secured loans, “One-card” new business products, to find out the market positioning for the rural credit cooperatives to provide efficient and convenient services, to expand credit business to explore a new road.