农村信用社不良贷款控制研究以平塘县为例精选.docVIP

 摘 要 农村信用社的不良贷款是特定历史条件下形成的，从某种意义上讲，是几十年来我国农村经济形态深刻变迁直接或间接遗留下来的历史问题的反映。通过对平塘县农村信用社不良贷款现状进行分析，对于农村信用社的不良贷款应基于对历史和现实的客观分析，站在促进农村经济发展的高度，着重研究社会信用体系不健全以及贷款“三查”流于形式、农业风险加剧信贷风险等问题对平塘县农村信用社不良贷款的影响，探索并提出应对平塘县农村信用社不良贷款现象的对应的化解的思路和对策。通过对不良贷款形成的可能原因进行分析，有助于信贷管理人员预防贷款风险，从而能够达到解决目前不良贷款管理的问题。 关键词：平塘县农村信用社不良贷款研究 Rural credit cooperatives non-performing loan control research in Pingtang County as an example Abstract Rural credit cooperatives’ non-performing loan is formed under specific historical conditions, speak from a certain meaning, is a reflection of the historical issues for decades of economic form of our countrys rural profound changes directly or indirectly the legacy of. Through the present situation of bad loans of rural credit cooperatives in Pingtang County for analysis, rural credit cooperatives non-performing loans should be an objective analysis of the history and reality based, stand in the height of promoting rural economic development, focuses on the study of the social credit system is not perfect and loan three check to intensify agricultural risk, credit risk and other issues affecting the Pingtang County Rural Credit Cooperatives of the non-performing loans, to explore and resolve the corresponding ideas and countermeasures put forward rural credit cooperatives non-performing loans in Pingtang County, deal with the phenomenon of. Through the analysis of the possible reasons for the formation of non-performing loans, credit management is helpful to prevent loan risks, so as to achieve the management of non-performing loans in the current problem solving. Keywords：Pingtang County；rural credit cooperatives；non-performing loans；research 目 录 摘 要 I Abstract II 前言 1 一、平塘县农村信用社不良贷款的现状 2 二、平塘县农村信用社不良贷款的原因 4 （一）社会信用体系不健全 4 （二）地方政府行政干预不当 5 （三）农业风险加剧 5 1.农业政策性信贷风险表现形式 5 2.农业政策性信贷风险成因 5 （四）贷款“三查”流于形式 6 1.贷前调查流于形式，没有识别风险 6 2.贷时审查存有走过场，没有堵住风险 6 3.贷后检查弱化，没有发现风险 7 （五）信贷人员业务素质较低 7 三、平塘县农村信用社不良贷款对应策略 9 （一）健全社会贷款信用体系 9 （二）加强与当地政府的沟通 10 （三）加强农业保险推广 10