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近几年来,我们辽宁省海城市乡镇、村企业由过去稳步渐进式发展步入了超常规、跳跃式发展“快车道”。特别是有些乡镇、村企业已向高科技、高附加值、外向型、大规模发展,资金需求量相应加大,单靠本地区单个信用社的资金实力已远远满足不了乡镇、村企业发展的资金需要。为了解决这个矛盾,海城市信用联社自1990年开始,充分利用信用社资金经营灵活的优势,采取组织社团贷款的方式,集中资金对效益好、规模较大、科技含量高、外向型企业进行重点支持。到1994年10月底,全市累计组织社团贷款1.8亿元,有效地促进了农村乡镇、村企业的发展。具体做法和效果是:
In recent years, our towns, villages and enterprises in Haicheng, Liaoning Province, have stepped into an unconventional and leapfrog “fast lane” from a steady and gradual development in the past. In particular, in some towns and villages, the enterprises in the villages and towns have moved toward a high-tech, high value-added, export-oriented and large-scale development with a corresponding increase in the demand for funds. The financial strength of individual credit cooperatives in the region alone can hardly meet the needs of township and village enterprises The funding needs. In order to solve this contradiction, since its establishment in 1990, Haicheng Credit Union has taken full advantage of the flexible operation of credit cooperatives and taken the way of organizing community loans to concentrate its funds on the enterprises with good returns, large scale, high technology content and export-oriented enterprises Key support. By the end of October 1994, a total of 180 million yuan of community loans were organized in the city, effectively promoting the development of rural towns and villages and enterprises. Specific practices and effects are: