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随着农村信用社贷款五级分类工作的逐步铺开,将贷款五级分类引入农村信用社专项票据兑付考核的必要性日益显现。首先,贷款五级分类能够全面准确地反映农村信用社的整体风险情况,不仅有助于解决其历史遗留问题,防范风险,而且可以促使农村信用社转变经营理念,转换经营机制,提高抗风险能力,从根本上巩固改革试点成果,为农村信用社如期顺利兑付票据创造条件。
With the gradual spread of the five-tier classification of rural credit cooperative loans, the necessity of introducing the five-tier classification of loans into the examination of redemption of special bills of rural credit cooperatives has become increasingly apparent. First of all, the five-tier classification of loans can comprehensively and accurately reflect the overall risk situation of rural credit cooperatives, which not only helps to solve the problems left over by history and prevent risks, but also enables RCCs to change their business philosophy, transform their operational mechanisms and improve their anti-risk ability , Fundamentally consolidate the achievements of the pilot reform, and create conditions for rural credit unions to successfully deliver bills on schedule.