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当前,我国经济正在面临着速度换档、结构调整阵痛和前期政策消化“三期又叠加”的境地。[]因此我国的农村信用社也由高速发展阶段转变为经营管理转型期和经营风险滞后反映的高峰期。主要表现在两个方面,一是不良贷款反弹;二是隐性不良贷款普遍存在,额度大,涉及范围广,是金融风险的复杂性、隐蔽性和传染性的主要表现形式。如何破解难题,化解真实的不良贷款,保住农信社生存的生命线,已经是迫在眉睫的问题,只有通过妥善处理好企业效益、发展质量和发展熟读之间的关系;“加强内部管理,杜绝违规贷款”的规章制度;加强对有风险的项目的检测和日常管理,及时做好隐患的排除工作,提高对风险的分析能力和判断能力;对于已经发生风险的项目要当机立断,根据合同提前收回贷款,确保农村信用社的资金安全。隐性不良贷款肯定会在很大程度上得到限制,随着经济形势的常态化趋于稳定,农村信用社也将走向稳定的发展道路。
At present, our economy is facing a situation of speed shift, structural adjustment and pre-policy digestion. Therefore, the rural credit cooperatives in our country have also changed from a high-speed development stage to a peak period reflected in the transition of management and operation and the lagging operation risk. Mainly in two aspects, one is the rebound of non-performing loans; the other is the prevalence of implicit non-performing loans, a large amount, covering a wide range of financial risks is the complexity, concealment and contagion of the main manifestations. How to solve problems, dissolve real non-performing loans, and preserve the lifeline of rural credit cooperatives has become an urgent issue only through properly handling the relationship between enterprise efficiency, development quality and development of familiarity; “Strengthening internal management and putting an end to Illegal loans ”rules and regulations; strengthen the risk of the project testing and daily management, in a timely manner to make the hidden dangers of the work to improve the risk analysis and judgment; for the project has occurred risk should act decisively, according to the contract ahead of schedule Repay loans to ensure the safety of rural credit cooperatives. Recessive non-performing loans will certainly be largely limited, with the normalization of the economic situation tends to be stable, rural credit cooperatives will also be on a stable path of development.