随着市场经济的发展,信用社信贷业务领域不断拓宽,信贷规模不断扩大,信贷资金在营运过程中,信贷资产的风险性也越来越大。因此,在当前正确分析研究信贷资产风险形成的原因及预防对策,尽快提高信贷资金的社会效益和内在效益,已成为信用社实现稳健经营的必要条件。 一、信贷资产风险形成的原因 1.激烈的市场竞争是其产生的客观基础。市场经济的发展和市场竞争的扩大,必然会导致一些商品生产者和商品经销者因经营亏损而不能还债。同时,由于失去计划指导,盲目性的生 With the development of market economy, the credit business of credit cooperatives has been continuously expanded, the credit scale has been constantly expanded, and the credit risk of credit assets has also been growing in the operation process of credit funds. Therefore, at present, the correct analysis and study of the reasons for the formation of credit risk and prevention measures to improve the social benefits and internal benefits of credit funds as soon as possible, has become a necessary condition for credit cooperatives to achieve sound management. First, the reasons for the formation of credit asset risk 1. Fierce market competition is the objective basis for its generation. The development of market economy and the expansion of market competition will inevitably lead to the failure of some commodity producers and distributors of goods to pay off their debts due to operating losses. At the same time, due to the loss of planning guidance, blind students