防范信贷风险，提高信贷资产质量是当前金融工作的一个重要内容。为了有效地防范信贷风险，并以此提高信贷资产质量，海宁市信用联社根据上级部门的要求，结合海宁农信社的实际，于１９９８年４月１日起实施信贷管理责任制。一、信贷管理责任制的基本做法海宁市农信社实施信贷 Preventing credit risk and improving the quality of credit assets are an important part of the current financial work. In order to effectively prevent credit risk and improve the quality of credit assets, Hainin Credit Union, in accordance with the requirements of the higher authorities, combined with the actual Haining Rural Credit Cooperatives, implemented the credit management responsibility system on April 1, 1998. First, the basic approach to credit management responsibility Haining City Rural Credit Cooperatives to implement credit