农村信用社改革时期信贷风险管理初探

• 作 者: 巫怀瑞
• 机 构: 丹徒区信用联社石马信用社,
• 出 处: 金山
• 发表日期: 2008年04期
• 关键词: 信贷风险管理 农村信用社 贷款风险管理 改革时期 操作风险 信贷政策 信贷文化 信贷经营 地方经济 风险补偿机制

当前,农村信用社已进入改革攻坚阶段,信用社的风险管理特别是信贷风险管理正不断凸现出来。加强信用社改革时期信贷风险管理,确保信用社在信贷支持地方经济发展的同时,有效防范信贷风险,事关信用社改革的顺利进行,事关信用社的可持续发展,是一项重要课题。本文对此作初步探讨。

At present, rural credit cooperatives have entered a crucial stage of reform, and credit risk management, especially credit risk management, is constantly emerging. Strengthening credit risk management during the reform period of credit cooperatives and ensuring that the credit cooperatives effectively guard against credit risks while supporting credit development in the local economy are crucial to the smooth progress of credit union reform and to the sustainable development of credit unions. This is an important issue. This article for a preliminary discussion.