省农村信用社贷款业务市场调查与讨论[摘要]2024 年 6 月成立的省农村信用社联合社是由全省农村信用社和农村合作银行入股组成，对全省农村信用社、农村合作银行行使管理、指导、协调和服务职能的金融机构。 如何让农村信用社在时代的潮流中进展起来，成为我国农村金融机构的生力军，做好市场调研至关重要。论文首先就农村信用社的概况进行描述，对其产品特征加以分析，类比，与其面对对象的确认，做了详细介绍。最后，提出了改进的策略和建议。[关键词]农村信用社；贷款；市场调查;；讨论；建议ShandongProvince credit cooperatives loan transaction market research and studyZhangchangxin[Abstract]Shandong Rural Credit Association,founded in June 2024, is a financial institution established by shares of all the rural credit unions in Shandong province,and perform its functions in management,guidance,coordination,and service to all the rural credit unions and rural cooperative bank in Shandong Province.It's essential to do the market investigation to develop itself in the trend of times and become the fresh force of the rural financial institutions in our country.First,an overview of rural credit association and an analysis,analog and affirmance of its products are given and introduced in detail in this article.In the end,improved strategy and advices are proposed.[Key words]Rural CreditUnion;Loan;Market investigation; Research;Advice1 引言1.1 讨论背景我国加入世贸组织，迎接世界各国的挑战和激烈市场竞争，谁在市场竞争中取得胜利，谁能在市场竞争中取得胜利，谁就能把我 21 世纪贸易的天平，我国相比其他欧美日等其他发达国家，营销理念尚不完善，营销观念有待进一步提高，进行深化的市场调研关系到我国能否在激烈的国际竞争中占主动地位。此外，我国正处于转型期，商业银行活动链条的不确定性急剧增加，尽管客户普遍具有借款愿望，但能够满足银行贷款条件的有效信贷需求相对不足，优质客户、优质项目少，再加上银行资金运用渠道相对狭窄、同业竞争激烈等原因，银行一旦寻找到贷款机会，首先考虑的是自己能不能消化全部贷款需求，追求独家承贷...
