对广西桂林辖区农信社大额贷款风险情况分析 - 中国金融网（Analysis of large loan risk of rural credit cooperatives in Guangxi Guilin area - China Financial Network）.docVIP

对广西桂林辖区农信社大额贷款风险情况分析 - 中国金融网（Analysis of large loan risk of rural credit cooperatives in Guangxi Guilin area - China Financial Network） Analysis of large loan risk of rural credit cooperatives in Guilin area of Guangxi In order to implement the national macro-control policies to strengthen the spirit of Guilin, the rural credit cooperatives industry management department recently on the citys rural credit cooperatives to more than 500 thousand yuan of large loans carried out a major inspection, from the examination of the situation of rural credit cooperatives large loans over a broad area, potential risks can not be not as, should pay close attention to all levels of management and industry supervision department. First, the main risk points exist (1) the pursuit of rapid expansion of the scale, ignoring the risk prevention. With the large increase of the deposit of the rural credit cooperatives and the surplus of the available funds, the desire to issue large loans becomes a realistic choice. But restricted by the historical and realistic factors, the rural credit cooperatives has yet to really establish a credit risk management system, in the long term loan to deposit fixed business model and expansion for the development of the management thought under the influence of the rural credit cooperatives into the pursuit of the so-called bigger and stronger, improve operational efficiency and expand the market share in the ideological misunderstanding, ignore the risk prevention. In order to expand the scale, and even loans to invest in some countries banned or low-level redundant construction projects, blind expansion, blind lending, resulting in increased risk of loans. (two) large loan maturity recovery rate is low, many hidden lending loan risk. From the survey of the large loan situation, we can collect monthly (quarterly) interest, and the minimum interest is minimal. However, large loan maturity recovery rate is low, the risk of loan precipitation is larger. A