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浙江平湖市前港信用社针对本乡农户贷款资金严重沉淀的实际,自1992年12月以来,在发放农户贷款中,全面推行抵押形式,取得了良好成效。到今年3月底,该社共发放农户抵押贷款135笔,总额达168.7万元,余额为49.9万元,既保证了农户发展生产的资金需求,又降低了贷款风险,确保了信贷资金安全。 前几年,前港信用社由于信贷管理不善,对农户贷款采用信用形式,即使采取担保也只是流于形式,“担而不保”致使农户贷款沉淀严重。严重影响了信用社信贷资金的质量和效益。信用社管委会根据本
Zhejiang Pinghu Qiangang Credit Cooperatives, aiming at the serious precipitation of rural households’ loan funds, has fully implemented the mortgage form since the issuance of rural household loans in December 1992 and achieved good results. By the end of March this year, a total of 135 rural-household mortgage loans were issued, amounting to 1,687,000 yuan and the balance of 499,000 yuan. This not only ensured the demand for funds for the development of production by farmers but also reduced the loan risks and ensured the safety of credit funds. A few years ago, due to poor credit management, QianGang Credit Cooperatives adopted a credit form for peasant household loans. Even if the guaranty was provided, it was only in a mere formality. Seriously affected the quality and effectiveness of credit funds of credit cooperatives. Credit Union Management Committee under this