本文旨在从新制度经济学出发，分析经济发达地区农村信用社产权和组织演进的一般规律和农村信用社组织政策选择。
New-institutional economics is applied to analyze the general laws of property rights and organization evolvement of Rural Credit Cooperatives (RCCs) in developed areas and policy choosing of RCCs.
信用政策的制定与选择是企业信用管理的重点，企业在选择信用政策时应与产品特点相适应。
The establishment and selection of credit policy plays an important role in credit management of enterprises. The selection of the credit policy should comply with the products characteristics.
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