农村信用社贷款的风险防范及化解措施
目 录
内容摘要·······················································3
一、不良贷款的定义·············································4
二、信用社不良贷款的形成原因···································4
（一）历史遗留问题而形成。······································5
（二）借款人原因·············································5
1、借款人欺诈···············································6
2、借款人经营管理不善·······································6
（三）信用社自身原因·········································7
1、操作原因·················································7
2、道德原因·················································8
3、管理水平低下·············································8
4、人力资源缺乏·············································8
三、信用社不良贷款的经营现状···································9
四、信用社不良贷款的风险防范措施·······························9
（一）完善内控制度，提高信贷管理水平···························9
（二）规范贷款操作程序，从源头防范风险·························11
（三）实行信贷岗位责任制，增强信贷员风险责任···················12
（四）以贷款风险五级分类法为切入点，及时发现信贷风险···········13
（五）多策并举，盘活化解不良贷款·······························15
五、结论·······················································19
六、参考文献···················································20
内 容 摘 要
农村信用社作为农村金融的主力军，在长期支持农村经济快速发展的过程中，自身得到了较大的发展，但同时也积聚了一些矛盾和问题，最为突出的是不良贷款的居高不下,不良贷款的居高不下已严重制约了农村信用社的生存和发展，因此，清收压降不良贷款成为当前农村信用社经营管理工作中的重中之重，如何盘活不良贷款资产是化解信贷风险的关键。为降低不良贷款占比，不断提高信贷资产质量，农村信用社结合实际情况，分别从加强内控管理、规范信贷操作、加强贷款管理等多方面着手去解决和化解信贷风险隐患。
