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近年来.随着农村信用社系统存款整体增幅较大.一些农村信用社出现头寸充裕,为寻找富余资金出路,各地信用社纷纷发展社团贷款,以分散经营风险,提高经济效益。但我国目前没有制定统一的,便于操作的社团贷款管理办法来规范社团贷款行为。在实际操作中,多数是根据各地农村信用社行业管理机构制定的有关社团贷款的操作规程、暂行办法以及各种各样的指导意见进行操作。由于缺乏统一的、可操作性强的社团贷款管理办法,社团贷款在执行中势必隐藏着诸多的法律风险,如何有效防范和规避社团贷款的法律风险尤其重要。
In recent years, as rural credit cooperatives have seen a large increase in deposits as a whole, some rural credit cooperatives have sufficient positions and in order to find a way out of surplus funds, credit unions in all places have successively developed community loans to diversify operational risks and improve economic efficiency. However, at present, China does not formulate a unified and easy-to-operate loan management approach to regulate the community loan behavior. In practice, most are operated according to the operating rules, interim measures and various kinds of guiding opinions formulated by the RCCs’ industry management agencies in all localities. Due to the lack of a unified and operable loan management approach for social groups, there are bound to be many legal risks hidden in the implementation of corporate loans. Therefore, it is particularly important to effectively prevent and evade the legal risks of corporate loans.