本文通过对日照市农村信用社三年间(1999-2001年)贷款结构及效益状况的个案分析,来透视当前农村产业结构调整、农村信用社信贷结构、农民收入及信用社经营效益四者之间的关联度和互动关系,研究农村信用社如何在明确市场定位的基础上,在支持农业产业化的发展中,进一步搞好市场细分,促进农村经济发展,实现农业增效、农民增收。 Based on the case analysis of the loan structure and benefit status of Rizhao Rural Credit Cooperative in the three years (1999-2001), this paper analyzes the current adjustment of rural industrial structure, credit structure of rural credit cooperatives, income of peasants and the operating efficiency of credit cooperatives The paper studies how RCCs, based on a clear market position, can further market segmentation in promoting the development of agricultural industrialization, promote rural economic development, increase agricultural efficiency and increase peasants’ income.