侯马市处于山西、陕西、河南三省和临汾、运城、晋城三市的三角中心位置,南同蒲、侯西、侯月铁路和大运、晋候高速公路在此交汇,境内商贸物流产业十分发达,素有“南来北往商贾地,干车百货旱码头”之称。近年来,随着新田、北方轻工城、新港、亚欧桥等专业市场的强势崛起,该市日益发展成为辐射华北、西北、西南多省区的小商品集散中心、交易中心和物流中心,1997年被中国物流协会评为“全国五大物流重镇”之一。发达的商贸物流产业不仅吸引了众多外省市商户,而且吸引了本地农民大量涌入经商行列,有力地推动了全市城镇化进程。面对扑面而来的城镇化加速机遇,作为全市农村金融主力军的侯马市农村信用社(以下简称农信社)积极调整经营策略,优化金融服务,在为全市城镇化提供有力金 Houma City is located in the triangle center of Shanxi, Shaanxi and Henan provinces and Linfen, Yuncheng and Jincheng cities. The intersection of South Tongpu, Houxi, Houyue Railway and Dayun and Jinwai Expressways meet here. The trade and logistics industry in China is very Developed, known as “South to North to Shangdi, dry car department stores dry dock ” said. In recent years, with the strong rise of new markets such as Xintian, Northern Light Industry City, Xingang, Asia-Europe Bridge and other specialized markets, the city has increasingly developed into a commodity distribution center, a trading center and a logistics center for radiation in many provinces in North China, Northwest China and Southwest China. In 1997 by the China Logistics Association as “the five major logistics center” one. The developed trade and logistics industry not only attracted many businesses from other provinces and cities, but also attracted a large influx of local peasants into the business sector, effectively promoting the city’s urbanization process. Faced with accelerated urbanization, the Houma Rural Credit Cooperative (hereinafter referred to as Rural Credit Cooperative), the main force of rural finance in the whole city, actively adjusted its business strategy and optimized its financial services to provide powerful gold for the city’s urbanization