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不良贷款是指那些被窒息、封杀在某些贷款客户或某些环节的信贷资金,它失去了信贷资金所应有的本性(流动性、效益性和安全性),不良贷款一旦形成,它不仅不能为信用社创造任何效益,相反,它还要吞食信用社的“营养”和“血液”。信用社信贷资金主要是由社员股金、存款、人行再贷款组成,而这些负债存在一天,信用社就责无旁贷的要支付红利、利息等,同时,为清收不良贷款还得要支付一定数量的费用,有时甚至是高额费用。笔者姑且称这些费用为“多余成本”,它是信用社扭亏增盈的大敌。
NPLs refer to those who are asphyxiated and block credit funds in certain loan customers or certain sectors. They lose the nature (liquidity, profitability and safety) of credit funds. Once a bad loan is formed, it not only It can not create any benefits for credit unions. Instead, it also swallows the “nutrition” and “blood” of credit unions. The credit funds of the credit cooperatives are mainly composed of members’ shares, deposits and renminbi loans. One day after these liabilities, the credit cooperatives are obligated to pay dividends and interest, etc., and at the same time, they have to pay a certain amount of Expenses, sometimes even high fees. I tentatively call these costs “extra costs”, it is the enemy of the credit cooperatives to turn losses into profits.