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自农村信用社与农行脱钩以来,贷款风险、人员素质、经营管理等方面存在的问题逐渐暴露出来,尤其是贷款风险。在市场经济条件下,作为一级法人的农村信用社,实行自主经营、自负盈亏的经营方针,要在复杂的经济环境中寻求生存和发展,必须加强贷款风险管理。如何加强贷款风险管理呢?笔者认为,首要的问题就是要搞清导致贷款风险的原因,有针对性地采取有力措施、有效防范和化解。根据三年来对农村信用社监管工作的实践,导致农村信用社贷款风险的原因归纳起来主要有以下几个方面:一、来自贷款对象的信用程度
Since the rural credit cooperatives have been decoupled from the ABC, the problems in the aspects of loan risk, personnel quality, operation and management have gradually emerged, especially the loan risks. Under the condition of market economy, as a first-level rural credit cooperatives, it is necessary to strengthen the management of loan risks in order to survive and develop in a complex economic environment. How to strengthen the management of loan risks? In my opinion, the primary problem is to find out the reasons leading to the loan risks, take effective and targeted measures to effectively prevent and resolve. According to the practice of supervising rural credit cooperatives in the past three years, the reasons leading to the credit risk of rural credit cooperatives are summarized as follows: First, the credit level from the loan object