目 录
一、农信社改革中存在的难点和问题·························3
1、对完善法人治理结构重要性认识不足······················3
2、农信社不良贷款问题突出································4
3、人员素质低，内控制度不完善，严重制约农信社的后续发展··4
4、“支持三农”与“追求效益”二者之间难于平衡············5
5、地方政府干预依然存在··································6
二、破解思路·············································6
1、完善农村信用社法人治理结构····························6
2、健全和完善内按机制，加大从业人员培训力度··············7
3、千方百计压降不良贷款··································8
4、加大政策扶持力度，解决农信社与支持“三农”的矛盾······8
5、加强对农村信用社监管工作，促进农村信用社改革工作顺利进·9
三、参考文献··············································11
内 容 摘 要
目前，我国农村信用社体制改革已全面铺开，在央行及各级监管部门的正确领导下，已经取得了阶段性成果。但是，农村信用社在改革过程中存在的难点和问题也初露端倪。本文分析了农信社改革中遇到的难点和问题，并针对存在的问题提出了相应的对策和建议。
关键词：农村信用社 金融改革
