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近年来,随着农业和农村经济的发 展,各种各样的农村经济组织应运 而生,个私企业蓬勃兴起,一些农村信用社的客户也从个体家庭作坊逐步发展成为私营企业或由原乡镇集体企业转制成为有限责任公司,这就给“立足农村,服务三农”的农村信用社的信贷风险预警和评价制度提出了一个较高的要求。本文拟结合浙江省海宁市农信社实施“信贷客户风险预警机制”进行一些有益的探讨。
In recent years, with the development of agriculture and rural economy, a variety of rural economic organizations came into being, private enterprises flourished, and some rural credit cooperatives customers also gradually developed from individual family workshops into private enterprises or from the original township The conversion of collective enterprises into a limited liability company has set a higher demand for the credit risk early warning and evaluation system of rural credit cooperatives based on the rural areas and serving the rural areas and farmers. This paper intends to carry out some beneficial discussions on the implementation of “credit customer risk warning mechanism” by HNRCC in Zhejiang Province.