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随着最高人民法院有关司法解释的施行,其中对作为抵押物的个人所有的房屋拍卖抵债作了严格的限制;农村小额贷款需求减少,信用社资金相对富裕;民营经济发展较快,资金需求量大,但抵押物不足,难以获得贷款……面对这些新情况、新问题,如何解决?福建、江苏、湖北、湖南、河南、辽宁、广西等地农村信用社推行的“联保贷款”有效地避开了矛盾,化不利为有利,变被动为主动,化解了信贷风险。
With the implementation of judicial interpretations by the Supreme People’s Court, there is a strict restriction on the auction of houses owned by individuals as mortgages; the demand for rural micro-loans is reduced and the funds of the credit cooperatives are relatively abundant; and the development of the private economy is rapid with the demand for funds In the face of these new situations and new problems, how to solve? Fujian, Jiangsu, Hubei, Hunan, Henan, Liaoning, Guangxi and other rural credit cooperatives to promote the “UNPROFOR loan” Effectively avoided the contradictions, the unfavorable favorable, from passive to active, to resolve the credit risk.