实行信贷资产风险管理是农村信用社体制改革中的一项基础性改革,是信贷经营管理中的核心。它是根据市场经济的特征,运用经济的、法律的和行政的手段,以及数学方法,对信贷资产的预期风险和事实风险进行度量、防范和监控,达到信贷资金的高效运用、正常归流和增殖,实现信贷资产流动性、安全性和效益性统一的科学管理方法。本文就农村信用社实行信贷资产风险管理作以浅述。 一、为什么要实行信贷资产风险管理 (一)农村信用社走向市场经济轨道必须实行信贷资产风险管理。我国经济体制改革的目标是建立社会主义市场经济体制。市场经济本质就是商品经济,是一种风险经济。农村信用社是与商品生产和经营紧密相连的,如果不采取有效的防备措施,市场经济的风险必然通过 The implementation of risk management of credit assets is a fundamental reform in the RCC reform and is the core of credit management. It is based on the characteristics of the market economy, the use of economic, legal and administrative measures, as well as mathematical methods, the expected risk of credit assets and the factual risk measurement, prevention and control, to achieve the efficient use of credit funds, normal return and Proliferation, to achieve a unified approach to scientific management of the liquidity, safety and profitability of credit assets. This article describes the implementation of credit risk management of rural credit cooperatives. First, why should the implementation of credit asset risk management (A) of rural credit cooperatives to market economy track must implement credit asset risk management. The goal of China’s economic reform is to establish a socialist market economy. The essence of market economy is commodity economy, which is a kind of risk economy. Rural credit cooperatives are closely linked to the production and management of commodities. If effective precautionary measures are not taken, the risks of a market economy will inevitably pass through