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近年来,随着农信社贷款的持续增加,新增贷款劣变率高,不良贷款绝对额大,不良占比高,贷款风险未得到有效控制。农信社在产业信息、员工素质、科技水平方面还存在较大差距,有效管控风险的能力较差。而进一步加强信贷风险管理,增强对贷款风险的管控和化解能力就应当建立和完善农信社的信贷管理体制构架。
In recent years, with the continuous increase of loans from rural credit cooperatives, the new loans have a high rate of deterioration, the absolute amount of non-performing loans is large, the proportion of bad loans is high, and the risk of loans is not effectively controlled. RCCs still have a big gap in industrial information, staff quality and science and technology, and their ability to effectively control risks is poor. To further strengthen credit risk management and enhance the ability to control and resolve loan risks, we should establish and improve the credit management institutional framework of RCCs.