目前,农发行清理信贷资产工作已结束。从山西省长治市清理结果看,存在问题很多,尤其是扶贫贷款中的问题更为突出,有些问题亟待解决。笔者就此谈点个人看法:一、问题1、行政干预,为求政绩盲目上项。多年来,扶贫贷款上项目、定规划都是由政府及项目主管部门确定的,有的违背信贷资金运行规律和信贷项目管理操作程序,超越权限干预贷款项目。项目单位则通过各种关系找领导批条子,要贷款。为求一时的政绩,盲目上项。而有关部门虽然立项或参与管理,但是不承担风险,造成权利、义务、责任严重脱节,使扶贫贷款工作一方面强调贷款的安全性和效益性,另一方面又不断产生高风险、低效益的贷款,使沉淀贷款象滚雪球式的越滚越大,回收困难。2、信用观念淡薄,造成资金沉淀。由于贫困县多数生产力水平低,经济发展落后,因此,不少干部和农户把扶贫贷款视为“救济 At present, the work of clearing up credit assets by the ADB has come to an end. From the results of the clean-up in Changzhi City, Shanxi Province, there are many problems, especially the problems in poverty alleviation loans are more prominent and some problems need to be solved urgently. I talk about personal views: First, the problem 1, the administrative intervention, in order to seek performance on the blind. Over the years, projects and plans for poverty alleviation loans have been set by the government and project authorities. Some have violated the rules governing the operation of credit funds and the management procedures for credit projects, and have interfered with loans beyond the limits of authority. The project unit through the various relationships to find leadership approval slips, loans. In order to seek temporary performance, blindly on the item. However, the relevant departments, while engaging in project management or taking part in the management, do not take the risk, resulting in serious disconnection of their rights, obligations and responsibilities. The work of helping the poor loans emphasizes on the one hand the safety and effectiveness of loans while on the other hand they continue to produce high-risk and low- Loans, so precipitated lending snowball-like rolling bigger, recovery difficulties. 2, weak credit concept, resulting in financial precipitation. Due to the low level of most productive forces and the backward economic development in poor counties, many cadres and farmers think of poverty alleviation loans as ”relief