本文详细分析了齐齐哈尔市市区农村信用合作联社所处的宏观环境和微
观环境，阐述了其潜在的优势、劣势、机会、威胁；从 2010 年度监管评级情
况入手，阐述了齐齐哈尔市市区农村信用合作联社当前存在的主要问题及问
题成因；从业务拓展目标确定过高、法人治理形式化问题难以有效解决、未
能获得有力的外部支持、各项改革措施可能受到现行法律法规和监管政策的
限制而难以实施等四个方面，阐述了综合改革存在的不足和偏差。本文提出
了齐齐哈尔市市区农村信用合作联社应选择拓展型发展战略和差异化的基本
竞争战略，并从有效实施战略、纠正改革偏差出发，提出了取得国家及地方
政府的政策扶持，加快建立现代金融企业制度的步伐，明晰市场定位、培育
核心竞争力，构建更加有效的风险管理体系和夯实促进发展的人才保障基础
等对策。
关键词：农村信用社；城郊类；综合改革；提高竞争力
Abstract
Qiqihar City Urban Rural Credit Ccooperatives Union, the Qiqihar City is
an important component of the banking system, however, in the long term, since
development highlighted various types of risk and reorganization was lagging,
and even the possible withdrawal from the market, and has been growing for
local financial security and social stability. This article in Qiqihar City Urban
Rural Credit Ccooperatives Union, the ongoing comprehensive reform in the
background, use strategic management theory of Qiqihar City, urban rural credit
cooperatives should be chosen by the community development strategies for an
in-depth research with the aim to contribute to an integrated reform timely
calibration bias Qiqihar City, meet the shortfall in promoting Qiqihar City Urban
Rural Credit Ccooperatives Union early further into sustainable development
track. In the meantime, the results of research are also available for trade
management departments, regulatory reform model will be in the same
homogeneous bodies within the province (mainly other urban type) To promote
rural credit cooperative union, to draw upon scientific decision-making, and thus
provide the basis for the relevant agencies and reference. This article is also the
significance of the study.
This article more analysis has in Qiqihar City Urban Rural Credit
Ccooperatives Union by Department of macro environment and micro- environment,
explained has its strengths, and weakness, and opportunities, and threat; from
2010 of regulatory rating situation starting with, explained has in Qiqihar City
Urban Rural Credit Ccooperatives Union current exists of main and the problem
causes; from business expanding target determines high, and corporate
governance formal problem difficult to effective resolved, and failed to obtained
strong of external support, and Reforms may be subject to existing laws and
regulations and monitoring of limited and difficult to implement such policies in
four aspects, shortcomings and bias set out comprehensive reform. This article
made has in Qiqihar City Urban Rural Credit Ccooperatives Union should select
development type development strategy and differences of basic competition
strategy, and from effective implementation strategy, and corrected reform
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