摘要
农村信用社是经银监会批准设立的，由社员入股组成，着力为“三农”、小微企业、
社区居民、县域经济发展提供存款、贷款、汇兑、理财、结算等一体化金融服务的地方
性金融机构。随着国家出台有关政策，2003年开始，国务院决定深化农村信用社改革，
在省级层面成立省联社，县级成立信用联社（简称“县联社”），省联社与各县级联社
虽然都为独立法人，但是省联社依据省政府授权，行使对县级联社的管理、指导、协调、
服务职能。经过十几年的改革发展，多数县级联社已改制成为农商行，由社员制改为股
份制，和其它国有银行、股份制银行在法人治理、经营范围、业务种类、风险控制等方
面基本相同。农民专业合作社（以下简称合作社）作为现代农业经营主体的主要形式之
一，其发展壮大离不开资金支持。很多学者通过研究不同地区合作社的发展历程和发展
状况，认为合作社发展中遇到的主要问题，在于资金供不应求，合作社获取资金的来源
主要依靠银行贷款。农村信用社作为地方性金融机构，网点遍布城乡，是合作社获取资
金支持的主要提供者。当然在信贷资金支持农民专业合作社过程中，农村信用社在网点
布局、信贷流程设置、产品服务创新、信贷队伍建设、科技支撑等方面存在许多亟待解
决的问题，迫切需要参考其他国家地区先进经验做法，切实加强和改进，本文将以山东
省农村信用社为例，研究山东省农村信用社对合作社信贷支持发展有关情况

本文首先分析了课题研究的背景和意义，对国内外学者在信贷支持合作社上给出的
研究资料进行汇总分析，得出本研究课题的研究方法、研究思路，可能的创新点和存在
的不足之处。然后对合作社主体及社员、农村金融体系、农村金融支持相关概念进行界
定。然后，介绍山东省农村信用社的基本概况，从支持模式、担保方式、信贷产品种类
三个角度，分析支持合作社的基本情况。之后从农村信用社市场定位存在偏差、支持体
制机制不健全不完善、信贷审查审批流程繁琐、业绩考核不科学不合理、责任追究压力
过大、产品创新能力不足、科技支撑能力不强七个方面，深入分析对合作社信贷支持存
在的主要问题，并通过这些问题，详细阐述问题产生的主要原因。之后，通过研究分析
近年来的信贷数据，得出农村信用社支持合作社的趋势、特点。并通过建立博弈模型，
确定在满足前提和条件时，农村信用社选择“同意”或“拒绝”给予合作社贷款，进一
步对信贷支持决策进行深入研究。通过分析国外金融支持合作社的经验做法，与山东省
农村信用社信贷支持合作社做法进行对比，得出信贷支持合作社的一些启示。最后提出
有关的对策建议

文章通过研究山东省农村信用社支持合作社的具体实例，得出以下对策建议：农村
信用社必须坚定支农支小的市场定位，进一步加大信贷支持合作社力度；完善农村信用
社相应的体制机制，适度降低合作社借贷门槛，不断提升金融服务合作社质量；农村信用社要优化管理流程，全面提高审批合作社贷款权限，提高审贷获得率；完善客户经理
薪酬考核，让他们有积极性参与支持合作社发展；建立完善尽职免责机制，科学设置不
良贷款容忍度，对不存在故意违规、干事创业的客户经理予以保护；全面加强业务产品
创新能力，有效满足合作社融资需求；提高科技支撑能力，推动网络办贷和综合服务平
台建设，提高对合作社贷款的精细化、科技化管理水平；政府应发挥积极作用，强化相
关政策支持，进一步优化信用体制，为农村信用社对合作社的支持提供良好的发展环境

关键词：农民专业合作社；信贷支持；农村信用社；山东省农村信用社THE RURAL CREDIT COOPERATIVES OF SHANDONG
PROVINCE SUPPORTED THE RESEARCH ON THE
CREDIT SUPPORT OF FARMER PROFESSIONAL
COOPERATIVES
ABSTRACT
Farmer professional cooperatives (hereinafter referred to as cooperatives) is a new type
of market under the market economy system, it is based on the rural family contract
management, the same type of agricultural products production operators or similar
agricultural production and management services providers, users, voluntary Joint, democratic
management of the mutual economic organization.Rural credit cooperatives are approved by
the China Banking Regulatory Commission, composed of members of the shares, focus on the
three rural, small micro enterprises, community residents, county economic development to
provide deposits, loans, exchange, finance, settlement and other integrated financial services
Financial Institutions. With the 2003 State Council issued the Notice on Deepening the
Reform of Rural Credit Cooperatives (Guo Fa [2003] No. 15), decided to deepen the reform
of rural credit cooperatives, the provincial level to set up the provincial association, the
county set up credit association (Hereinafter referred to as county association), the
provincial association and the county association are all independent legal persons, but the
provincial association under the authority of the provincial government to exercise the county
association management, guidance, coordination and service functions. After more than ten
years of reform and development, the majority of the county association has been transformed
into a rural business, from the membership system to shareholding system, and other
state-owned banks, joint-stock banks in corporate governance, business scope, business type,
risk control and other aspects of the same.
Cooperative as a modern agricultural management of the main form of one of its
development and growth can not be separated from financial support. Many scholars have
studied the development process and development situation of cooperative cooperatives in
different regions. It is found that the common factor restricting the development and
development of cooperatives is the financial problem. The source of the cooperative funds is
mainly dependent on bank loans. Rural credit cooperatives as a local financial institutions,
outlets throughout the urban and rural areas, cooperatives to obtain funding to support the
main provider. Of course, in the process of supporting credit cooperatives in farmer&39;sprofessional cooperatives, rural credit cooperatives have many problems to be solved urgently
in the aspects of network layout, credit process setting, product service innovation, credit
team construction, science and technology support, and urgent need to refer to other countries
and regions. , To strengthen and improve, this paper will take the rural credit cooperatives in
Shandong Province as an example to study the rural credit cooperatives in Shandong Province
to support the development of credit cooperatives.
This paper is divided into seven chapters, as follows:
Chapter One Introduction. Firstly, it elaborates the research background and the purpose
and significance of the research. Then it summarizes the domestic and foreign scholars&39;
research on the credit financing of cooperatives and reviews them. At last, the research
methods, research ideas and innovation points and shortcomings of this paper are described.
Chapter II related theoretical basis. This part first defines the related concepts of
cooperatives and members, rural financial system and rural financial support, and then
references some foreign scholars&39; theories int
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