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随着金融体制改革的进一步深化,农村信用社必须按照市场经济规律要求,转换经营机制,调整经营策略,构建新型的贷款风险保障机制。对此,笔者有以下浅见: 1.要建立风险管理机制,增强和维护贷款决策的自主权。农村信用社要真正确立自己在社会经济活动中的法人地位和资格,把贷款风险管理放到所有管理中的核心地位。首先在信用社内部建立贷款管理小组,建立和完善风险管理办法,制定科学的贷款操作程序,对发放贷款要根据风险程度划分审批权限,同时以第一责任人建立贷款效益责任制档案,贷款放出后,要根
With the further deepening of the reform of the financial system, RCCs must, in accordance with the laws of the market economy, change their operational mechanism, adjust their business strategies and establish a new type of loan risk protection mechanism. In this regard, I have the following humble opinion: 1. To establish a risk management mechanism to enhance and safeguard the autonomy of the loan decision-making. Rural credit cooperatives should really establish their legal status and qualifications in social economic activities and put loan risk management at the core of all management. First, the establishment of a loan management team within the credit cooperatives to establish and improve risk management approach, the development of scientific procedures for the operation of loans, loans to be divided according to the degree of risk approval authority, while the first person in charge to establish a loan efficiency responsibility system files, loan release After the root