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一、北海市城乡信用社金融风险的现状 近几年来,北海经济大起大落,城乡信用社潜伏着巨大的金融风险。截至1997年3月末,北海市城市、农村信用社独立法人机构分别为14家和27家,资产总额分别为13.72亿元和20.59亿元,累计损益分别为-0.86亿元和-0.71亿元。 北海城乡信用社金融风险表现形式:1、以信贷资产质量低下为特征的信用风险大。1992、1993年房地产热浪中,城乡信用社有近10亿元
First, the status quo of financial risk of urban and rural credit cooperatives in Beihai In recent years, the North Sea economic ups and downs, urban and rural credit cooperatives lurk huge financial risks. As of the end of March 1997, Beihai City and Rural Credit Cooperatives had 14 and 27 independent legal person institutions respectively, with total assets of 1.372 billion yuan and 2.059 billion yuan respectively. The cumulative gains and losses were -086 million and -71 million respectively. Beihai urban and rural credit cooperatives financial risk manifestations: 1, the credit quality of credit assets characterized by low credit risk. In the heat waves of real estate in 1992 and 1993, there were nearly 1 billion yuan in urban and rural credit cooperatives