【摘要】 文章认为,信用合作组织的同一性,决定其经营原则具有自愿性、互助共济性、民主管理性和非赢利性,这些原则制约了信用社的发展规模,信用社更适合小规模经营。目前,农村信用社的改革模式,以直接或间接的方式扩大其规模,这都与其原则相悖,也反映了农村信用社产权制度的重大缺陷。更多还原

【Abstract】 The paper describes the principle of credit cooperatives at first,and then analyzes the principle impact on scale of credit cooperatives in detail.The crucial conclusion are drawn that the credit cooperatives is suitable for the little appropriate scale.At present,the reform of rural credit cooperatives model expands its size in directly or indirectly,which is inconsistent with the principles and reflects the major defect of the property rights system of rural credit cooperatives.更多还原