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目前,信贷风险已经成为制约海南农信社改革与发展的障碍,这也是海南农信社近几年经营效益不高和现金流动不足的深层次原因。从海南省农村信用社信贷风险及形成的原因来看,既有自然灾害影响和社会信用环境等客观因素,又有信用社自身管理松懈和决策失误,以及政府的行政干预。因此,防范和化解海南农村信用社的信贷风险必须结合海南的实际对症下药。 一、对新增贷款,要加强管理,从源头上控制不良贷款增长 ●建立和完善科学合理的信贷管理办法,加强新增贷款的管理。一是建立贷前预测风险机制,在深入调查、掌握申请贷款单位的详细情况上,做好综合分析与项目评估工作,为贷款决策提供科学严谨的评估报告。二是建立贷时预防风险机制,严格规范贷款操作流程,确保各种手
At present, credit risk has become an obstacle to the reform and development of Hainan Rural Credit Cooperatives. This is also the deep reason why Hainan Rural Credit Cooperative has not been profitable in management and cash flow in recent years. From the credit risk of Hainan Rural Credit Cooperatives and its formation, there are objective factors such as natural disasters and social credit environment as well as loosening of management of credit unions, mistakes in decision-making, and administrative interference by the government. Therefore, to prevent and resolve the credit risk of Hainan Rural Credit Cooperative must be combined with the actual remedy in Hainan. First, the new loans, we must strengthen management, from the source to control the growth of non-performing loans ● establish and improve scientific and reasonable credit management measures to strengthen the management of new loans. First, the establishment of pre-loan risk forecasting mechanism, in-depth investigation, grasp the details of the application for loan units, do a comprehensive analysis and project assessment work, to provide a rigorous scientific loan evaluation assessment report. Second, the establishment of credit risk prevention mechanism, strictly regulate the loan operation process to ensure that all kinds of hands