互助信用社 的英文怎麼說
中文拼音 [hùzhùxìnyòngshè]
互助信用社
英文
mutual loan society- 互 : 代詞（相互;彼此） each other; mutual
- 助 : 動詞（幫助; 協助） help; assist; aid; support
- 用 : Ⅰ動詞1 （使用） use; employ; apply 2 （多用於否定: 需要） need 3 （敬辭: 吃; 喝） eat; drink Ⅱ名...
- 社 : 名詞1 （共同工作或生活的一種集體組織） organized body; agency; society 2 （人民公社） people s co...
- 互助 : help each other; mutual aid; cooperation; synergism; logrolling
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So the contradiction of the supply and demand of the agricultural fund is prominent. chinese rural credit communes have become semi - stated financial organization after they deviated from their collaborative principles under the control of government. they cannot fulfill the financial demand of farmers with their poor management and low efficiency although farmers have thirsty will to cooperate with each other in financial aspect
我國農村經濟的特點和農業、農戶弱勢產業、弱勢群體的地位，使農戶難以獲得商業貸款，加之農村正規金融供給的嚴重短缺，農戶資金供求矛盾非常突出，農戶有進行資金互助合作的願望，但中國農村信用社出於服從國家政治的需要，在國家幾十年的控制下已背離合作制的原則，成為準國家性質的金融機構，農信社徒有合作制之名，而無合作制之實，農信社經營虧損，效率低下，難以滿足農戶的金融需求。However, this sort of loan has short time limit, small quantity and high rate, that influences the development of the small and middle - sized enterprise. there are two reasons for the shortage of the loan. the first reason is rest with the small and middle - sized enterprise : the small and middle - sized enterprise has not good credit condition, do not have good management records and permanent assets, the risk of management is big, the ability of competition is weak, the level of management is low and the consciousness of credit is dim. the second reason is rest with the bank
目前銀行對中小企業惜貸主要有銀行和企業兩方面的原因，其中銀行乃至整個社會大環境不是眾多中小企業所能左右的，因而本文提出通過建立中小企業信用互助來增加銀行對中小企業的信任水平、降低其對中小企業的風險厭惡程度，從而降低中小企業貸款利率、延長貸款期限、增加貸款額度，擴大其融資的可能性邊界，逐步解決中小企業的融資困境。
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