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贷款损失准备计提直接关系到金融企业未来消化不良资产的能力。农村信用社贷款损失准备计提由于没有统一明确的规定,加之受管理体制等诸多因素的制约,历史欠账较多。为此,农村信用应充分认识提取贷款损失准备金的现实意义,以中央银行票据支持为契机,采取“分类实施、区别对待、期限达标”方法,逐步提高农村信用社整体拨备水平。
The provision for loan loss provisions is directly related to the ability of financial enterprises to digest nonperforming assets in the future. Due to the lack of uniform and definite rules and the constraints of many factors such as the management system, there are more historical debts. To this end, rural credit should fully understand the practical significance of the loan loss reserve to take the support of the central bank bills as an opportunity to take “classified implementation, different treatment, the deadline for compliance” approach and gradually increase the overall level of provision for rural credit cooperatives.