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随着农信社向农村银行改制步伐加快,不良贷款作为改革成功的一个关键因素,化解不良贷款包袱已刻不容缓。农信社除了争取政府用土地置换不良贷款外,自身更要加大清收力度,才能有效降低不良贷款占比。由于不良贷款多属长期积累沉淀形成,要想在短期内收回难度很大,因为好收的早就收回了,剩下的基本上是难啃的“硬骨头”。但不管清收多么难,不良贷款必须还要收,这关系到改革成败和农信社健康发展。笔者认为,剖析农信社清收不良贷款的难点,对症下药采取措施,对破解不良贷款清收难题具有重要意义。
As rural credit cooperatives speed up the restructuring of rural banks, non-performing loans, as a key factor for the success of the reform, have been put in an urgent need to defuse the burden of non-performing loans. In addition to fighting for the government to replace non-performing loans with land, it is even more necessary for RCCs to increase their liquidation efforts so as to effectively reduce the proportion of non-performing loans. Since non-performing loans are mostly long-term accumulated deposits, it is very difficult to recover in the short term because good loans have already been recovered and the rest is basically a “hard bones.” However, no matter how hard it is to collect revenue, the non-performing loans must still be received, which is related to the success of the reform and the healthy development of rural credit cooperatives. The author believes that the analysis of the difficulties RCCs collecting non-performing loans, the right remedy to take measures to crack down on the problem of non-performing loans is of great significance.