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随着金融市场的竞争日益激烈,农村信用社作为我国金融机构的重要组成部分,发展迅速并且有效的带动了周围区域经济的发展,但是由于社会信用体系不健全和法律体制不完善,使部分农信社仍存在不良贷款率较高的问题,鉴于此,本文从潍坊市农信社的基本现状入手,对现有的贷款体制进行一番由表及里的诊断,全面深刻认识现有不良贷款率较高的原因,最后提出减少新的不良贷款的对策。
With the increasingly fierce competition in financial markets, as an important part of China’s financial institutions, rural credit cooperatives have developed rapidly and effectively to promote the economic development in the surrounding areas. However, due to the imperfect social credit system and imperfect legal system, some rural credit cooperatives In view of this, this paper starts from the basic status quo of Weifang Rural Credit Cooperatives, and conducts a survey of the existing loan system to make a comprehensive and profound understanding of the existing non-performing loans The reason for the higher rate, the final proposed reduction of new non-performing loans.