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近年来,随着城区农村信用社各项业务的快速发展,信贷投放力度的加大,一些城区社在注重贷款数量扩张和信贷市场份额占有的同时,却忽视了信贷资产质量的保证和信贷风险的防范,存在于城区农信社各网点之间的相互交叉放款现象十分普遍,并有逐步漫延之势,已成为城区社又一不容忽视的风险源。为此,笔者带着这个问题对湖南省永州市某县农村信用联社几家城区社交叉贷款情况进行了实地调查分析,现就其产生原因与防范对策作粗浅探析。 一、城区社交叉放贷的现状与成因
In recent years, with the rapid development of various businesses of urban rural credit cooperatives and the intensification of credit distribution, some urban community agencies ignore the guarantee of credit asset quality and credit risk while paying attention to the expansion of loan amount and the possession of credit market share. Of the prevention, exist in the urban areas of rural credit cooperatives cross-border cross-payment between the phenomenon is very common, and the gradual expansion of the trend has become another urban community can not be ignored risk sources. To this end, the author took this issue of a county in Yongzhou City, Hunan Province, a number of rural credit cooperatives community cross-lending conducted a field investigation and analysis of the reasons and preventive measures are now making a superficial analysis. First, the status quo and causes of urban community lending