论农村信用社不良资产形成与化解对策

On the Formation and Countermeasures of Non-performing Assets of Rural Credit Cooperatives

不良贷款处置是农村信用社改革的核心,作为一项全局性的改革,如何切实有效盘活不良资产,方式方法至关重要。应根据当前农村信用社改革的迫切需要与监管当局的要求,结合信用社不良资产现状及成因,综合治理、分类处置、对症下药,采取包括信托在内的处置方式才能有效盘活不良资产,达到改革与发展的目的。

Disposal of non-performing loans is the core of the reform of rural credit cooperatives. The way of how to effectively make an inventory of non-performing assets becomes the most important thing. On basis of the current urgent need for reform of rural credit cooperatives and the requirements of the regulatory authority, and in combination of credit status and causes of non-performing assets, it is proposed to dispose the non-performing assets by comprehensive management, classification disposal and suiting the remedy to the case to obtain a good disposition effect, and achieve the reform and development purposes.