大庆市农村信用社贷款信用风险问题探析

Analysis of Rural Credit Cooperatives on Loan Credit Risk Problem in Daqing City

针对目前中国农村信用社贷款信用风险的实际情况,以大庆市农村信用社为研究对象,采用实地调研等方法,阐述了大庆市农村信用社贷款信用风险的现状及存在的问题,并有针对性地提出了完善贷款信用风险的建议。通过研究,更加了解农村信用社的信用风险,从而为大庆农村信用社防范信贷风险的产生提供依据,可减少不良资产的产生,为新农村建设提供有效信贷资金支持。

Aiming at the actual situation of china＇s rural credit cooperatives on loan credit risk,the rural credit cooperatives was used as the research object and the methods such as on-the-spot investigation were adopted in Daqing city,which expounded the present situation and the existing problems of rural credit cooperatives on loan credit risk in Daqing city,and put forward some suggestions of the credit risk. The study made us to have the better understanding of the credit risk of rural credit cooperatives,provided the basis for generating prevent credit risks of Daqing rural credit cooperatives,which could be reduce the generation of the bad assets and provide the effective credit support for the new rural construction.