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信贷资产质量的好坏直接关系到信用社信贷资金的效益性、安全性。为此,天津市西青区李七庄信用社经过努力,采取相应措施,取得一定效果。截止1993年末,非正常贷款544万元,占贷款总额的5.5％;“两呆”贷款只占贷款总额的0.1％;截止1994年2月末,各项贷款达到10290万元,实现了无“两呆”。 一、加强信贷管理,把好贷款发放关 发展社会主义市场经济,对信用社来说既是机遇也是挑战,这就需要树立风险防范机制,在贷款发放时严格把好三关。 一是搞好贷前调查,闯过人情关。保证贷款放得出收得回,贷前调查是减少风险贷款的重要环节,严把贷款发放关,即
The quality of credit assets is directly related to the effectiveness and safety of credit funds of credit cooperatives. To this end, Xiqing District, Tianjin Li Qizhuang credit cooperatives through their efforts to take appropriate measures to achieve some results. As of the end of 1993, the non-normal loan was 5.44 million yuan, accounting for 5.5% of the total loan amount; the loans for “dull” loans accounted for only 0.1% of the total loan amount; as of the end of February 1994, the loans reached 102.9 million yuan, stay". I. Strengthening Credit Management, Issuing Good Loans Relevant to developing a socialist market economy is both an opportunity and a challenge for credit unions. This requires establishing a risk prevention mechanism and strictly implementing the three-point rule when issuing loans. First, do a good job before the loan investigation, broke through the human relations. Loans to ensure that the loan can be recovered, pre-loan investigation is an important part of reducing risk loans, strict loan issuance, that is