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一、管理的现状 湖北省天门市信用联社现有社团贷款余额23370万元,由市联社营业部经营,这块资金占全市乡镇信用社信贷总规模的2.1倍。社团信贷资产主要形成于以下几个方面: 1.历年集并社团贷款。1985年至1992年期间,市农行直接通过合作科统一调集资金7800万元,集中投放使用,由于企业生产经营情况的变化,这部分集并的社团贷款逐渐呆滞。近年来,通过采取兼并、转让、租赁、依法起诉等办法,取得了较好的成效,1994年、1995年收息率分别达到10.2％、11.37％,生息面由1993年的32.4％增加到87.5％,保证了基层信用社利息的正常返还。
I. Status of Management The existing community loan balance of Tianmen Credit Union of Hubei Province was 233.7 million yuan, which was operated by the business department of Lianhe County Associated Press. This piece of funds accounted for 2.1 times of the total credit amount of the township credit cooperatives in the city. Community credit assets are mainly formed in the following areas: 1. Throughout the years and corporate loans. From 1985 to 1992, the City Agricultural Bank directly mobilized 78 million yuan of funds through the Cooperation Branch and put it into focus. As a result of the changes in the production and operation of the enterprises, this part of the collective loans gradually became sluggish. In recent years, we have achieved good results through such measures as mergers and acquisitions, transfer, leasing and prosecution according to law. In 1994 and 1995, the yields were 10.2% and 11.37% respectively, and the interest rate increased from 32.4% in 1993 to 87.5% %, To ensure the normal return of grassroots credit union interest.