目 录
一、农村信用社贷款风险种类······················ 3
（一）道德风险···························3
（二）政策风险···························3
（三）市场风险···························4
（四）经营风险···························4
二、农村信用社贷款风险成因·····················4
（一）政府越位···························4
（二）内控缺位···························5
（三）制度错位···························5
（四）管理脱位···························6
三、农村信用社贷款风险的管理与控制························7
（一）内部监督机制·························7
（二）制度约束机制·························8
（三）风险预警机制·························8
（四）保险与补偿机制························9
（五）责任与奖惩机制························10
内 容 摘 要
农村信用社立足农村，服务“三农”，处于农村金融最基层。因长期传统观念束缚,资产业务几乎全是贷款业务，因而信用社的经营风险主要是指贷款风险。所谓风险是指收益或损失的不确定性。因此，农村信用社贷款风险是指由于各种因素发生变化而对信用社贷款资产带来的影响，从而导致贷款资产价值甚至企业整体价值发生波动的可能性。这种波动性包括两个方面：一是收益的波动性；另一方面是贷款资产损失的波动性,是指贷款本金和利息是否能够按期收回的可能性。因而衡量农村信用社贷款风险的标准应是指贷款本息按期收回的把握程度。收回的把握性越大，风险程度就越小;收回的把握性越小,风险程度就越大。
关键词：农村信用社、贷款风险、管理与控制
