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由于体制、机制、人员素质等因素的影响,农村信用社对中小企业的贷款存在较大风险。1.中小企业由于投资少,科技含量低,可行性论证粗放,多数存在一哄而上的现象,易造成重复建设、盲目投资,这一点在县域企业表现尤为突出。同业竞争激烈,缺少规模效益,市场风险极大,随着市场的变化,县域企业跟着由兴转衰,给农村信用社留下了大量的不良资产。2.资本金严重不足。县域中小企业一般建厂
Due to the influence of the system, mechanism and personnel quality, rural credit cooperatives have a greater risk of lending to SMEs. 1. SMEs are characterized by low investment, low technology content and extensive feasibility studies. Most of them are aggressively co-opting into the market. This can easily lead to redundant construction and blind investment, especially for the enterprises in the county level. Due to fierce competition in the same industry, lack of economies of scale and great market risk, along with the changes of the market, the county-level enterprises followed the trend of revival, leaving a large amount of non-performing assets for rural credit cooperatives. 2. A serious shortage of capital. County SMEs generally build factories