依法管理,就是要充分运用法律手段,坚持把贷款的放、管、收全过程纳入依法管理的轨道,最大限度地降低信贷风险,以增强信贷资金的安全性、流动性、效益性,我认为这是力克信贷资产风险的良方。 一、依法放贷,是防范信贷资产风险的前提条件 信用社在发放贷款时,必须依法进行。一是贷款对象及条件要合法。在实际操作中,信用社要严格审查借 To administer according to law is to make full use of legal means and insist on putting the release, management and collection of loans into the track of law-based management so as to minimize the credit risk so as to enhance the safety, liquidity and profitability of credit funds. I think This is a recipe for Lectra’s credit asset risk. First, lending according to law is a prerequisite for preventing the risk of credit assets Credit unions must issue loans in accordance with the law. First, the loan object and the conditions to be legal. In practice, credit unions should strictly examine the loan