为了摸清四川省农村信用社信贷资产现状、不良贷款成因,提出防范风险的对策、措施,四川省分行组成联合调查组,于近期对遂宁市部分县联社及信用社的信贷资产质量进行了专题调查,掌握了该市信贷资产的现状,弄清了不良资产的成因,研究了解决问题的措施办法。 一、现状问题 遂宁市地处以农业为主的川中丘陵地区,辖二县一区,人口361.7万,1995年农民人均收入1069元。 近年来,特别是自1995年6月配备县联社专职主任以来,全市农村信用社坚持把提高信贷资产质量作为一项重要工作来抓。一是对信贷资产进行了彻底清理,摆正了占用形态;二是建制堵漏,扼制住了不良贷款的源头;三是盘活存量,落实任务,奖惩挂钩;四是规范操作,全面推行担保抵押制度。通过以上工 In order to find out the current status of credit assets and the causes of non-performing loans in Sichuan Rural Credit Cooperatives and put forward countermeasures and measures to guard against risks, Sichuan Branch formed a joint investigation team and conducted credit assets quality evaluations to some county associations and credit cooperatives in Suining City in the near future Thematic surveys have grasped the status quo of the city’s credit assets, clarified the causes of the non-performing assets, and studied the measures and measures for resolving the problems. First, the status quo problems Suining City is located in the hilly areas of central Sichuan-based agriculture, under the jurisdiction of two counties and a district, population 361.7 million in 1995 per capita income of farmers 1069 yuan. In recent years, especially since 1995, when it was equipped with the full-time director of County Union, the city’s rural credit cooperatives insisted on improving the quality of credit assets as an important task. First, the credit assets were completely cleaned up, and the occupancy patterns were adjusted; second, the system of plugging was established to curb the source of non-performing loans; the third was to revitalize the stock, fulfill the tasks and rewards and punishments; the fourth was to standardize operations and fully implement the guarantee mortgage system. Through the above work