农村信用社贷款营销工作中的问题及对策（Problems and Countermeasures of loan marketing in rural credit cooperatives）.docVIP

农村信用社贷款营销工作中的问题及对策（Problems and Countermeasures of loan marketing in rural credit cooperatives） The problems and Countermeasures of marketing loans in rural credit cooperatives at present, the rural credit cooperatives as the most basic level of rural financial institutions, and position in promoting the development of rural economy, farmers more prominent. Based on rural areas, three rural do social purpose to determine the main service objects of rural credit cooperatives is the vast rural areas, heavy workload, thousands of households, low economic efficiency is relatively low, is the objective problems facing rural credit cooperatives. For the survival and development of rural credit cooperatives, while deepening the reform, must improve their own economic benefits, and the pursuit of profit maximization, a key step to achieve this goal is to do a good job of loan marketing work. At present, in the loan marketing and problems 1, the social credit environment is poor. Due to the influence of various social aspects of adverse factors, some of the household loan honesty consciousness has weakened, deliberately in various ways to avoid debts, there are also some loan households adopt a wait-and-see mentality, can procrastinate, can the Lai Lai with some enterprises to shut down, bankruptcy and other forms of evading debts, loans to bring resistance the recovery of the cooperatives. 2, mortgage guarantee mechanism is not perfect. Over the years, the village collective yearsarrears credit loans, scaffolding administrative intervention in the formation of non-performing loans and so on, has become an established risk, and are currently carrying out the micro credit loans, guaranteed loans to farmers etc., also there are potential risks to a certain extent. Farmers in the development of the production process of all kinds of accidents, it is difficult to avoid, and because of the lack of effective collateral, relatively concentrated in the rural credit cooperatives, res