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所谓不良贷款分账管理,就是以 一定的时点为界限,把信用社不良贷 款分开,同时,以县市联社为单位成立 不良贷款清收保全部,对辖内不良贷 款专人管理,集中处置。分账管理是改 变不良贷款处置方式的一种尝试,目 的旨在建立一个以提高信贷资产质量 为核心,以分账考核和专业清收为基 本特征,以正常贷款保质增效、不良贷 款控险盘活为主要内容的信贷资产管 理经营机制。2001年9月份开始,湖北 省农村信用社以2001年6月30日为 界限,全部推行了不良贷款分账管 理。
The so-called non-performing loan sub-account management, that is, to a certain point of time as the limit, the non-performing loans of credit unions separate, at the same time, county and county association as a unit set up a collection of non-performing loan clearance department, management of non-performing loans within its jurisdiction, centralized disposal. Divided account management is an attempt to change the way of disposing of non-performing loans. The purpose is to set up a basic characteristic of improving the quality of credit assets with sub-account assessment and professional collection as the basic features. With normal loan quality and efficiency enhancement and non- The main contents of the credit asset management operating mechanism. Beginning in September 2001, Hubei Rural Credit Cooperatives, with the limit of June 30, 2001, all introduced the management of non-performing loans.