农村信用社不良贷款管理问题探讨(8300字)
摘 要：高比例和大额度的不良贷款，严重影响了农村信用社的发展。加强管理，降低巨额不良贷款己经成为农村金融工作的重中之重。近年来，我省农村信用社进行了一系列管理体制改革，但管理工作中仍出现了审查不严，贷后管理缺位，风险等级认定模糊，从业人员素质不高，清收缓慢等问题，通过运用实证分析法、对比分析法及历史分析方法，对这些问题进行分析，得出造成这几点问题的原因：政府行为影响，贷款人的隐瞒、欺诈行为，风险管理体制不完善，法律制度不健全，从业人员素质低下。针对这些问题及成因提出：完善监督管理机制，严格贷款审查 ，强化贷后检查工作，增强清收力度，加强从业人员培训的解决对策，以达到完善贷款管理工作，实现不良贷款双降的目的。
关键词：农村信用社；农村金融；不良贷款
Hunan Rural Credit Cooperative Non-Performing Loan Management Question Discussion
Abstract:The high proportion and big specified amount non-performing loan seriously influence Rural credit cooperative's development. Strengthens the management, reduces large amount non-performing loan has become the rural finance the most important work . In recent years, our province Rural credit cooperative has carried on a series of management system reform, but in the supervisory work still presented the examination not to be lax, after the loan, manages the vacancy, the risk rank recognizes fuzzily, the jobholders quality is not high, recovery slow and so on questions, through the utilization real diagnosis analytic method, the contrast analytic method and the history analysis method, carries on the analysis to these questions, obtains creates these problems the reason: The act of government influence, lender's concealment, the fraudulent practice, the risk management system is imperfect, the legal regime is not perfect, the jobholders quality is low, other factors. Proposed in view of these questions and the origin: Consummates the management supervising mechanism, loans the examination strictly, after the strengthened loan, inspects the work, enhancement recovery dynamics, strengthens solution countermeasure which the jobholders train, achieves consummates the loan administration work, realizes goal which the non-performing loan double falls.
Key words: Rural credit cooperative; Rural finance; Non-performing loan
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