analysis of the station after the withdrawal of credit to avoid financial risks（分析车站后收回的贷款,以避免金融风险）.doc

Analysis of the station after the withdrawal of credit to avoid financial risks [Abstract] In recent years, all over the reorganization of the rural credit station work, have been discovered and exposed a number of economic cases, which in rural credit cooperatives to cause some economic loss, but also seriously damaged the image of rural credit cooperatives and institutions reputation. To this end the rural financial system in the current regulatory system to further deepen and adjustment period, how to avoid credit points after withdrawal of financial risk, has become steadily to ensure that rural financial reform a priority and important work. [Keywords] credit station financial risks First, the credit agency for rural credit cooperatives station management the basic situation Agency for rural credit cooperatives, credit management stations are basically two stages: First stage and table system in the early existence of the credit agency stations, the rural credit co-ordinators on the management of credit is extensive, the loan officer himself home office, certificate and seal by the loan officer a person on behalf of the custody, loan officers do their monthly statements, reported to the credit cooperatives, credit unions charge of accounting by the agent stops all credit reports merge because of the economic development is lagging behind, the human ideological consciousness is relatively high, at the time and not too many cases, there is no loss to how much credit, but this extensive management model to a subsequent high incidence of cases of credit agency station sowing the seeds. Second, and account system stage. With the integrity of the system, credit management of credit points and tables from system to system and account, and credit accounts set up counters, and sent the accounts to the credit check station, the seal of credit points and blank certificates were confiscated, and after verification accounts and accounts to the credit counter