目前,一些信用社逾期、催收贷款占各项贷款的比重较大,资产质量严重低下。对此,必须引起我们的高度重视,认真分析其成因,并采取有效措施克服之。 一、影响和制约信用社信贷资产质量的因素。当前,制约信用社信贷资产质量的因素主要有内、外两个方面。外部因素主要是:(一)不适当的行政干预。受传统的计划经济体制和政治体制影响,在一些地方政府和企业(尤其是乡镇政府和企业)中,仍靠产值来衡量经济发展,造成多数企业盲目铺摊子、上项 At present, some credit cooperatives are overdue and the collection of loans accounts for a large proportion of various loans, with a serious decline in the quality of assets. In this regard, we must arouse our great attention, carefully analyze its causes and take effective measures to overcome it. First, the factors that affect and constrain the credit assets of credit cooperatives. At present, the main factors restricting the quality of credit assets of credit cooperatives are internal and external aspects. External factors are mainly: (a) inappropriate administrative intervention. Influenced by the traditional planned economic system and political system, in some local governments and enterprises (especially township governments and enterprises), the economic development is still measured by the output value, leaving most enterprises blindly paving the way. In the previous paragraph