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近年来,农村信用社在信贷管理中十分重视风险管理,多数贷款实行了保证、抵押或质押担保,从而提高了贷款安全系数,改善了信贷结构。由于保全措施得力,许多贷款可以得到偿还或代偿,或从抵押物、质物处理中优先受偿,或依法取得财产保全。但是,随之而来的抵押物、质物、查封物、不断增多,加快处理及时受偿也就成为信用社当前迫切需要解决的问题。 一、贷款抵偿物处理中的几个难点 1、信息不灵。农村信用社地处农村,经营区域大多一镇一乡,视野有限,信息不灵,所得到的信息往往是笼统而不及时,无法确切地掌握贷款抵偿物谁需要、卖给谁、能折价多少、市场行情怎样等等,成为处置的最大障碍。
In recent years, RCCs attach great importance to risk management in credit management, and most of the loans have implemented guarantees, mortgages or pledges, thereby raising the loan safety factor and improving the credit structure. Thanks to the effective security measures, many loans can be repaid or compensated, or they can be given priority in the collateral or material handling or the property preservation can be legally obtained. However, with the consequent increase of mortgages, pledges and seizures, it is an urgent issue that the RCCs need to solve now. First, the loan offsets several difficulties in dealing with 1, the information is not working. Rural credit cooperatives are located in the rural areas, most of the operating areas of a town, a limited field of vision, information is not working, the resulting information is often general rather than timely, can not accurately grasp the loan offsets who need, sell to whom, can discount how much , How the market conditions, etc., become the biggest obstacle to disposal.