温岭市地处浙东南沿海 ,是浙江省股份和个私经济较为发达、市场繁荣、民资富裕的县级市。近年来 ,该市农村信用社结合当地经济特点 ,坚持小额分散的贷款策略不断调整信贷结构 ,加大支持力度 ,促进了贷款质量和经营效益的同步提高。一、小额分散降低风险温岭股份、个私经济发展 Wenling City, located in the southeast coast of Zhejiang, is a county-level city where Zhejiang shares and individual and private economy are more developed, the market prosperous, and rich private capital. In recent years, the city’s rural credit cooperatives, in keeping with the local economic characteristics, insisted on the strategy of small and diversified loans, constantly adjusted the credit structure, strengthened their support and promoted the simultaneous improvement of loan quality and operating efficiency. First, small decentralization to reduce risk Wenling shares, private economic development