读了贵刊2016年第13期“农金论坛”栏目《打赢“三大战役”全面深化改革》一文,笔者对防范化解不良贷款、打赢清收不良的攻坚战役有以下体会。当前,部分农信机构信贷管理基础不好,不良贷款居高不下,给各项业务的健康发展和深化改革埋下了风险隐患。笔者认为,农信机构要从源头上遏制不良贷款反弹,可依据《贷款客户管理办法》《客户经理管理办法》《信贷资产质量评价办法》等一系列 Read your magazine 2016 13th “agriculture gold forum ” column “win” “three battles ” “deepen reform ” article, the author on the prevention and treatment of nonperforming loans, win the bad harvest of bad fortune battle have the following Experience. At present, the credit management foundation of some rural credit cooperatives is not good and the non-performing loans are still high, laying a hidden danger for the healthy development and deepening reform of all businesses. The author believes that rural credit agencies from the source to curb the rebound in non-performing loans can be based on the “loan customer management approach,” “Account Manager Management Measures,” “Credit Assets Quality Evaluation Methods” and a series of