不良贷款（Non-performing Loan）.docVIP

不良贷款（Non-performing Loan） Along with the rural credit cooperatives clearing closing non-performing loans live further back to revitalize the increasing difficulty, difficulty increasing, the balance of non-performing loans accounted for a decrease of slow, affect the efficient use of credit funds, limited the rural credit cooperatives support and development. In order to make the normal circulation of credit funds, give full play to the leading role of rural finance, we must carefully analyze the reasons for the formation of non-performing loans, find the symptoms, to revitalize the recovery difficult, for resolving law, removing erosion in the body of the rural credit cooperatives on the bad sources, so that the healthy development of rural credit cooperatives, to support the new rural construction provide financial support, to create a harmonious social honesty civilization. First, the reasons for the formation of non-performing loans According to the analysis and comparison of the non-performing loans of a branch in the past three years, the reasons for the formation of non-performing loans are generally divided into two parts: internal and external: (1) internal reasons: 1, historical factors: one is the credit cooperatives and the Agricultural Bank after their most policy loans, such as loans, the government directed by the financial burden of funds by the credit union to assume the formation of non-performing loans; the other part is incorporated into the rural fund, to absorb a large part of bad loans; and is a part of city credit cooperatives into lead to an increase in bad loans. 2, the credit management factors: one is the previous credit risk awareness is not strong, at present a large number of non-performing loans and financial rights difficult is a few years ago the management is not in place, the loan approval system and the three check system does not implement centralized exposure; two is the credit constraint mechanism is not perfect, the managemen