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何有效提高信贷资产质量,是关系信用社兴衰存亡的头等大事和核心问题。作为甘肃省87家农信社的佼佼者,甘州合行近年来以全面风险管理的新理念统领业务全过程,同时创新不良资产管理制度,经过10年坚持不懈的努力,在改革发展的关键时期,在农合行改制为农商行的大背景下,资产质量提前达到农商行水平。数据最有说服力。10年间,该行不良贷款净减少2991万元,不良贷款率至2012年6月末仅为0,22%。
How to effectively improve the quality of credit assets is a top priority and a core issue concerning the rise and fall of credit unions. As a leader of 87 rural credit cooperatives in Gansu Province, Ganzhou joint venture in recent years with the new concept of total risk management to guide the entire business process, while innovation in non-performing asset management system, after 10 years of unrelenting efforts in the reform and development of the key Period, under the background of restructuring of ABC to rural commercial banks, asset quality reached the level of rural commercial bank ahead of schedule. The most convincing data. In the 10 years, the net non-performing loan of the bank decreased by RMB29.91 million and the non-performing loan ratio was only 0,22% as of the end of June 2012.