社会主义市场经济的确立,为乡镇企业由承包经营向股份合作制经营转换创造了良好的经济环境。同时,也对长期支持和服务于乡镇企业的农业银行、信用社,如何切实改善和强化信贷管理提出了新的课题。为此,笔者对泰兴市试行股份合作制的乡镇企业进行了调查,发现了诸多新情况,拟提出一些对策。 The establishment of a socialist market economy has created a favorable economic environment for the township and village enterprises to transform from contract-based operations to share-based cooperative systems. At the same time, it also raised new topics for agricultural banks and credit unions that have long supported and served township and village enterprises, and how to effectively improve and strengthen credit management. To this end, I conducted a survey of the township enterprises in Taixing trial joint-stock cooperative system, found a lot of new situations, proposed some countermeasures.