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目前,不良贷款占比较高已成为影响农村信用社发展的主要问题之一。因此,提高信贷资产质量,努力降低不良贷款已成为强化对农村信用社金融监管的一项重要任务。如何防范化解不良贷款,作者提出以下思考:(一)防范是第一位,防范重于化解。(1)努力提高新增贷款的质量,防止产生新的不良贷款。增量贷款风险的防范是资产质量风险防范的重点。存量是由增量转化而来的,如果增量贷款在
At present, the high proportion of non-performing loans has become one of the major problems that affect the development of rural credit cooperatives. Therefore, raising the quality of credit assets and working hard to reduce non-performing loans have become an important task to strengthen the financial supervision of rural credit cooperatives. How to prevent and cure non-performing loans, the author put forward the following considerations: (A) prevention is the first place, prevention is more important than defusing. (1) Strive to improve the quality of new loans and prevent the generation of new non-performing loans. The prevention of incremental loan risk is the focus of prevention of asset quality risk. The stock is converted from an increment if the incremental loan is on