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在目前信用社信贷管理工作中,盘活“双呆”,降低风险,提高资金运用效益已是一个极为突出而又亟待研究的课题。笔者就所辖信用社的“双呆”贷款形成的情况谈点个人看法。 一、“双呆”贷款形成的内部因素 1、信贷人员素质较差。就山西省垣曲县来说,全县信用社139名职工,具有高中或中专文化程度的仅69人,大专文化的仅一人;从事信贷的67名人员中,一半以上为初中毕业或小学毕业,近三分之二的人员没有参加过信贷专业技术培训。
In the current credit management of credit cooperatives, the activation of “double stay” to reduce the risk and improve the efficiency of the use of funds has become a very prominent and urgent research topic. The author talks about the formation of “double stay” loans under the jurisdiction of the credit cooperatives. First, the “double stay” loans formed by the internal factors 1, poor quality of credit officers. As far as Yuanqu County in Shanxi Province is concerned, there are 139 workers in the credit cooperatives in the county, only 69 with high school or secondary school education, and only one college education; among the 67 staff engaged in credit, more than half are junior high school graduates or primary school graduates Nearly two-thirds did not participate in credit professional and technical training.