农村信用社贷款风险成因与防范

The Risks and the Countermeasures in Rural Credit Banks

我国农村信用社贷款风险主要有:盲目放贷、农村信用社人员少、机构多,从业人素质低、信贷管理机制不健全,政府干预产业结构调整贷款等。要建立信贷岗位责任制和风险防范责任制,强化信贷责任追究,正确处理信用社与地方政府的关系,强化监管,加大支农贷款投放力度。

The often-seen risks in rural banks are the blind-loanings, the insufficient personel, the excess of offices , the imperfect system of credit and the interference of the government. So post responsibity and risk-reducing system must be established, the relationship between the credit banks and the local government must be correctly tackled with. To enhance managing ability and extend the loaning objects must be scientifically dealt with.