信用社搞经营,就必须发放贷款。由于未来情况的不确定性,任何贷款都是有风险的,只是性质和程度不同而已。问题的关键是如何将蒙受风险的可能性降到最低限度。近年来,贫困地区信用社针对贷款风险大的实际,虽采取了许多控险、避险、转险措施,也收到了一定的效果,但不是工作做得不深不细,就是没有切中降低风险的要害部位,使部分地区贷款的沉淀数额有增无减,风险贷款比重逐年增高,而且贷款风险逐步增加了新的内容和突变因素。笔者认为,贫困地区降低贷款风险程度应走以下途径。 一、针对特点,寻找险源,认真做好风险度量,是降低风险的首要前提。 Credit unions engaged in business, we must issue loans. Because of the uncertainty of the future, any loan is risky, but of a different nature and degree. The crux of the problem is how to minimize the risk of exposure. In recent years, the credit cooperatives in poverty-stricken areas have taken a great deal of risk control, hedging and transfer measures in response to the realities of large loan risks, and have also achieved some results. However, the credit cooperatives in poor areas have not done so much in depth and did not cut the risk So that the amount of deposits in some areas will increase and the proportion of risk loans will increase year by year. Moreover, the risk of loans gradually adds new contents and mutation factors. The author believes that poverty-stricken areas to reduce the level of loan risk should take the following path. First, according to the characteristics, looking for sources of danger, and doing a good job in measuring the risks are the most important prerequisites for reducing the risks.