信贷风险指因债务人不能偿还贷款造成行社资金损失的可能性。信贷风险管理是信用社在经营贷款业务中,对贷款风险进行科学的预测,有效地监督,采取切实可行的措施,建立多重风险防范屏障,避免和减少风险的管理行为。如何加强信贷管理,提高贷款的流动性、安全性、效益性,笔者就此谈点意见。 一、加强立法,强化贷款管理。以前的一些贷款管理法规缺乏完整性,系统性,随着社会主义市场经济的建立,已极不适应。建议尽快制定《中华人民共和国贷款管理法》,在其立法中,明确界定各方法律义务和权利,规范贷款行为,减少行政干预,遏制贷款随意,增强偿债约束力,使行、社在贷款业务中,有法可依,依法管贷,有效地防止贷款风险的产生。 Credit risk refers to the possibility that the debtor will not be able to repay the loan, resulting in loss of capital of the bank. Credit risk management is the credit cooperatives in the operation of the loan business, the risk of a loan to make a scientific prediction, effective supervision, to take practical measures to establish multiple risk prevention barriers to avoid and reduce risk management behavior. How to strengthen credit management and improve the liquidity, safety and profitability of loans? First, strengthen legislation and strengthen loan management. Some of the previous loans management laws and regulations lacked completeness and systematicness. With the establishment of a socialist market economy, they have become extremely uncomfortable. It is suggested that the “Law of the People’s Republic of China on Loan Management” should be formulated as soon as possible. In its legislation, the legal obligations and rights of all parties should be clearly defined, the loans should be standardized, the administrative intervention should be reduced, the loans freely controlled, the debt-service binding strengthened, In business, there is a law to follow, according to the law of loans, effectively prevent the generation of loan risk.