一、基本经验考察山东、天津两地农村信用社的经营发展状况,感觉主要经验是他们确立了“发展才是硬道理”的经营理念,充分发挥团队精神,追求效益的最大化。在规模扩张中求效益、在以人为本中求效益、在机制更新中求效益、在服务手段提高中求效益。总结“两地”的经验具体可概括 First, the basic experience To examine the operation and development of rural credit cooperatives in Shandong and Tianjin, I feel the main experience is that they established the “development is the last word” business philosophy, give full play to the team spirit, the pursuit of efficiency maximization. Seeking benefits in scale expansion, seeking benefits from people-oriented, seeking benefits through renewal of mechanisms, and seeking efficiency through improvement of service means. The experience of “two places” can be summarized specifically