论文部分内容阅读
随着市场经济的建立,信用社作为经营货币的特殊企业,因受市场经济各种不确定因素的影响,贷款风险尤为突出。在市场经济条件下,抵御贷款风险,减少贷款损失,实现信贷资金的安全性、流动性、效益性,已成为信用社信贷风险管理面临研究的主要课题。近年来,从平江信用联社的实践看,贷款“三查”制度是提高贷款营运效益的有效途径。笔者试结合实际,浅析贷款“三查”制度与贷款风险管理中的相互联系、相互补充、相互制约的关系。
With the establishment of a market economy, credit unions, as special enterprises that operate in currencies, are particularly at risk due to various uncertainties in the market economy. Under the condition of market economy, it has become a major issue that credit risk management of credit cooperatives is faced with to resist the risk of loans, reduce the loan losses, and achieve the safety, liquidity and profitability of credit funds. In recent years, from the practice of Pingjiang Credit Union, the “three checks” system of loans is an effective way to improve the operating efficiency of loans. The author tries to analyze the relationship between loan “three check” system and loan risk management, complement each other and restrict each other.