信用社

However, the multitudinous finance branch office which appears in this process contractsfrom the general rural areas and to the rural above, the rural credit association formed a largeamount of bad loans and the loss puts on somebody's account in the history, cloth wrapperheavy, the absorption of deposit is difficult, fund anxious, incapably expanded the supportingagriculture credit scale, in addition, the agricultural insurance and the venture capital are short,as well as the rural fund escaping which was caused by many kinds of factors. All these reasons make"the fund bottleneck" formed in agricultural development process to be more prominent.

然而，在此过程中出现了众多金融分支机构从广大农村地区的撤并和收缩，而农村信用社由于历史上的原因形成了大量不良贷款和亏损挂帐，包袱沉重，吸收存款难，资金紧张，无力扩大支农信贷规模，再加上农业保险和风险投资短缺，以及多种因素造成的农村资金外逃，使得农业发展过程中形成的资金"瓶颈"问题更加突出。

Mail copies of the police report to all three credit bureaus with a cover letter demanding your complete credit file.

寄给警方的报告，对所有这三个信用社与封面附上一封信，要求您完成信用档案。

Townzhu zhen existing 58 units, water stations, respectively, of one iron pipe business, Dongfeng Base guest house, water station hydropower classes, waterzheng ji the maintenance fee, water tax, the Government rent are water, water supply byliang guan suo water, industrial and commercial water, the water station, water courts, traffic police squadron of water, secondary water, water credit cooperatives, the water pipe by Maying, Center Hospital of water, water mains station.

全镇现有驻镇单位58个，分别是清水火车站、铁管处一营、东风基地招待所，清水车站水电班、清水养路费征稽所、清水国税所、清水地税所、清水供电所、清水粮管所、清水工商所、清水派出所、清水法庭、清水交警中队、清水中学、清水信用社、马营河水管所、清水中心卫生院、清水水管站等。

Summary : Hunan Anhua county rural credit office for many years because the property right has not been distinct, the corporate governance structure is not perfect, question of manage responsibility and does not implement ing etc., cause the poor , historical burden of the quality of the assets to be heavy, the risk hidden danger is increasing constantly, the agricultural minor cycle of volume of credit of letter society is short , already difficult to meet reality of local rural economy development's needs, the rural financial system has already reached the stage of reforming.

中南林学院旅管学院金融学专业湖南长沙 410004；中南林学院旅管学院金融学专业湖南长沙 410004）摘要：湖南安化县农村信用社多年来因为产权不明晰，法人治理结构不完善，管理责任不落实等问题，造成资产质量差、历史包袱重，风险隐患不断增多，农信社贷款规模小周期短，已经难以满足当地农村经济发展的实际需要，农村金融体系已到了非改革不可的地步。

The result of this research illustrates the conflict is reconcilable in practice and the dual reform goals could be both achieved.

研究表明，双重目标间的矛盾在实践中是能够得以调和的，双重目标在农村信用社运作过程中可以兼顾实现。

This chapter analyzed the mechanic of Rural credit cooperatives, Agricultural Bank of China, and Agricultural Development comment Bank of China, in order to dosing an mechanism to enhancer FII. Chapter 7. Policy sugestions on RFD to enhacing FII.

农村信用社主要是发展小额信贷；农村政策性金融在融资机制上、组建农村信贷担保银行、信贷业务种类及法律制度上进行了设计；中国农业银行从建立合理分工的农村金融服务体系的目标入手，推进农业银行的综合改革并根据商业性金融的特点明确支农地位。

This paper traces developments in the credit risk mea surement literature over the last 20 yearsEssentially,the author reviews the main current credit risk measurement models,egexpert system,credit scoring system,term structure model,mortality model,RAROC model,and CreditMetrics,CreditRisk+,CreditPortfolio View,KmV etcAlso,the author discusses the Suitableness of new models applying in credit risk measuring in credit cooperatives in rural China

本文回顾和介评了 2 0年来特别是近年来信用风险评价方法及模型进展，包括传统的主观分析法、信用评分系统、期限结构模型、死亡率模型、 RAROC模型以及新近推出的所谓内部模型如 Credit- VAR、Ceadit Risk+等。最后，简要分析了国际上流行的信用评价方法对我国农村信用社的适用性

I was a trainee of the Rural Credit .Welcome you to apply for financial business.

（我是农村信用社的一名实习生，欢迎您来办理金融业务。

The Rural credit cooperative takes the main army who the most basic unit the financial organ already became the rural finance, is relating our new rural reconstruction advancement.

摘 要：农村信用社作为最基层的金融机构已经成为农村金融的主力军，关系着我们新农村建设的进程。

It Points out pool in urban and rural areas development demand perfection urgently of our country rural financial capital support system, it make the rural credit office become the subject that rural financial capital supports the system to put forward, make the apicultural development bank become the effective pillar where rural financial capital supports the system, lead the commercial bank to offer commercial finance service for agriculture, allow folk capital to enter the nit-al capital and support relevant countermeasures and suggestions such as the system.

本文通过对我国农村资本供给状况进行分析，发现看似完善的金融体系没有提供农村经济发展所需要的资金，未能有效地发挥金融机构的职能，指出统筹城乡发展亟待完善我国农村金融资本支持体系，提出使农村信用社成为农村金融资本支持体系的主体，使农业发展银行成为农村金融支持体系的有力支柱，引导商业银行为农业提供商业性金融服务，允许民间资本进入农村金融支持体系等对策建议。

However, as the name（read－only memory）implies, CD disks cannot be written onorchanged in any way.

然而，正如其名字所指出的那样，CD盘不能写，也不能用任何方式改变其内容。

Galvanizes steel pallet is mainly export which suits standard packing of European Union, the North America. galvanizes steel pallet is suitable to heavy rack. Pallet surface can design plate type, corrugated and the gap form, satisfies the different requirements.

镀锌钢托盘多用于出口，替代木托盘，免薰蒸，符合欧盟、北美各国对出口货物包装材料的法令要求；喷涂钢托盘适用于重载上货架之用，托盘表面根据需要制作成平板状、波纹状及间隔形式，满足不同的使用要求。