本人认为农村信用社要走出信贷资产管理的困境应从以下几个方面加以完善:——建立完善的信贷投放机制。一是适当扩大基层农村信用社贷款审批权限,按照安全性、流动性、效益性原则,合理调整授信机制,向一些经营管理水平高、效益较好的基层农村信用社适当放宽贷款审批权限,调动其贷款营销积极性。二是在防范风险的前提下简化贷款手续,缩短贷款审批时间,同时要求基层农村信用社对效益较好、信誉较高、还贷意识强、有发展潜力的客户,适当放宽贷款条件,发放部分信用贷款,增加授信额度。 ——完善融资抵押担保机制,切 I think rural credit cooperatives to get out of the plight of the management of credit assets should be improved from the following aspects: - The establishment of a sound credit delivery mechanism. First, we should appropriately expand the approval authority for loan approval of grass-roots rural credit cooperatives, properly adjust the credit mechanism according to the principles of safety, liquidity and profitability, and appropriately relax the approval authority for loans to some grass-root rural credit cooperatives with a high level of operation and management and good returns. Its loan marketing enthusiasm. Second, under the precondition of risk prevention, the procedures for loans should be simplified to shorten the time for approving loans. At the same time, grassroots rural credit cooperatives should be required to provide loans to customers who have better benefits, higher credit, better loan repayments and potential for development. Credit loans, increase credit line. - Improve the financing mortgage guarantee mechanism, cut