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河南省长垣县联社为了改善信贷资产质量,提高经济效益,积极探索适应农信社发展需要的资产管理模式,打破信贷资金制约信用社发展的瓶颈,实施信贷资金“堵口清淤”工程。“堵口”,即严把贷款发放关口,保证新增贷款质量,杜绝不良贷款产生;“清淤”,即采取有效措施,对不良资产进行盘活、清收。通过实施“堵口清淤”工程,该联社的信贷资产质量有了明显提高,不良
In order to improve the quality of credit assets and increase economic benefits, Henan Changyuan County Associated Press actively explored the asset management mode that meets the needs of the development of rural credit cooperatives, breaking the credit bottleneck restricting the development of credit cooperatives and implementing the “blockage dredging” project of credit funds . “Clogs”, that is, strictly control the issuance of loans, guarantee the quality of new loans and prevent the generation of bad loans. “Dredging” means taking effective measures to revitalize and recycle nonperforming assets. Through the implementation of “blockage dredging” project, the Associated Press has significantly improved the quality of credit assets, poor