防范和化解金融风险是当前金融工作的中心课题。人民银行衡阳分行为防范贷款风险,在城市信用社试用《贷款文本》,取得了较好的效果,现将他们的调查报告予以刊登。本刊热烈欢迎各界人士就防范和化解风险问题发表高见,尤其欢迎实际工作第一线的同志介绍自己好的作法、经验和体会,即使是点滴小事,只要能给人以启发,本刊也特别欢迎。 Preventing and resolving financial risks is the central task of the current financial work. Hengyang Branch of the People’s Bank of China in order to prevent the risk of loans, the city credit cooperatives trial “loan text” and achieved good results, now their survey report be published. This journal warmly welcomes people from all walks of life to express their opinions on preventing and resolving risks. In particular, we welcome comrades at the forefront of practical work to introduce their own good practices, experiences and experiences. Even if it is a trivial matter, as long as it gives people inspiration, this special edition welcome.