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随着《商业银行法》等金融法规的颁布实施,农村信用社逐步向商业化经营迈进,并逐步同国际间的合作金融接轨。但是,目前信用社信贷资产风险管理中却存在一些不容忽视的问题,直接影响着信用社经营管理水平和经济效益的提高。因此,分析当前信用社信贷资产风险管理中存在的问题及成因,制定相应的对策已成为当务之急。
With the promulgation and implementation of financial laws and regulations such as the “Commercial Bank Law,” RCCs gradually move toward commercialization and gradually integrate with international cooperative finance. However, there are some problems that can not be ignored in credit asset risk management of credit cooperatives, which directly affect the management level and economic benefits of credit cooperatives. Therefore, it is imperative to analyze the existing problems and causes in the current credit risk management of credit cooperatives and formulate corresponding countermeasures.