信贷业务是农村信用社的核心业务,其经营结构直接决定农村信用社业务发展的稳健程度和可持续性。如何进行信贷结构调整,使信贷投向结构更趋合理化,是摆在农村信用社特别是贫困地区农村信用社面前的重要课题。近年来,为尽快适应区域经济结构、产业、产品结构的调整,实现信贷资产质量和经营效益的根本好转,永胜县农村信用社根据市场变化,及时对信贷投向结构进行了调整,积极支持“三农”经济发展,信贷整体运作有了较大改观,为农村信用社的生存和可持续发展带来了新的希望。 Credit business is the core business of RCCs, and its operating structure directly determines the soundness and sustainability of RCCs’ business development. How to adjust the credit structure and rationalize the structure of credit investment is an important issue for rural credit cooperatives, especially rural credit cooperatives in poor areas. In recent years, in order to adapt to the adjustment of regional economic structure, industry and product structure as soon as possible and achieve the fundamental improvement of credit asset quality and operating efficiency, Yongsheng County Rural Credit Cooperatives adjusted the credit investment structure in time according to the market changes and actively supported The overall development of “three rural” economy and credit has been greatly improved, bringing new hope for the survival and sustainable development of rural credit cooperatives.