陕西省农村信用社个人金融业务的发展策略研究 摘 要目前我国经济运行所处“三期叠加”的大背景，完善金融体系、发展个人金融业务刻不容缓。且传统类批发业务获利空间降低，个人业务以风险分散、收入稳定等特点成为国内商业银行信新利润增长点。本文以陕西省农村信用社为研究对象，利用案例研究法针对信用社现有个人金融业务发展状况进行现状总结和原因归纳，在剖析现有问题的基础上提出优化方案，以期为信用社加快个人金融业务发展建言献策，抓住银行业发展契机，迎接银行业转型挑战，提高信用社实力和竞争力，并为类似企业有关方面提升提供意见和参考。关键词：陕西省农村信用社；个人金融业务；发展策略ABSTRACTAt present, China's economic operation is in the context of the "three-phase superposition". It is imperative to improve the financial system and develop personal financial business. Moreover, the traditional wholesale business has reduced profit margins, and the personal business has become a new profit growth point for domestic commercial banks with the characteristics of risk dispersion and stable income. This paper takes the rural credit cooperatives of Shaanxi Province as the research object, and uses the case study method to summarize the current situation and the reasons for the development of the existing personal financial business of the credit union. Based on the analysis of the existing problems, the paper proposes an optimization plan to accelerate the individual for the credit cooperatives. Advance advice on financial business development, seize the opportunity of banking development, meet the transformation challenges of the banking industry, improve the strength and competitiveness of credit unions, and provide opinions and references for the improvement of similar enterprises.KEY WORDS ： Shaanxi rural credit cooperative, personal finance business, development strategy目 录第一章 引言 .................................
