农村信用社处于金融业的前哨阵地,它服务的对象是农民、农村、农业,其资金营运都是在“露天工厂”,因此,贷款资产有比其他金融机构更难管理的特点。随着市场经济的迅猛发展,农村企业经营机制转轨变型和信用社贷款业务的日益扩大,对在市场经济条件下的信贷资产管理还未实现科学化,由此将导致贷款风险成倍增加。面对这种现实和发展趋势,重要的选择就是在贷款增量上做好文章,并抓住增量的各个关键环节,坚持以防为主,防管结合,控制贷款风险,变被动盘“双呆”为主动防风险,才能建立起信贷资产质量稳步提高的机制。 一、以经济效益为中心,确定贷款投向投量 农村信用社作为一个独立的合作金融企业,一方面要为当地经济服务,另一方面必须获得尽可能多的利润。因此,必须 Rural credit cooperatives are outposts in the financial industry. They serve farmers, rural areas and agriculture. Their funds are operated in open-air factories. As a result, loan assets are harder to manage than other financial institutions. With the rapid development of the market economy, the transformation of the operating mechanism of rural enterprises and the growing loan business of the credit cooperatives have not yet scientifically achieved the management of credit assets under market economy conditions. As a result, the risk of loans will double. Faced with this reality and development trend, an important choice is to do a good job in raising loans, and grasp all the key aspects of the increment. We should adhere to the principle of prevention and control, combine prevention and control, control the risk of loans, and change the situation of “ Double stay ”to take the initiative to prevent risks in order to establish a mechanism for the steady improvement of the quality of credit assets. I. Centering on Economic Benefits, Determining Investment Lending RCCs, as an independent cooperative financial enterprise, should serve the local economy on the one hand and obtain as much profit as possible on the other. Therefore, must