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农村信用社是我国支持“三农”发展的主要金融机构,信贷业务是农信社的基本业务之一,也是信用社获取利润的重要途径。信贷风险是信用社经营得失和发展的关键因素,如何采取有效措施防范和化解信贷风险,是确保农村信用社持续稳健经营发展的关键。本文从我国农村信用社目前在信贷风险管理的现状出发,分析我国农村信用社信贷风险产生的原因,并在此基础上对农村信用社加强信贷风险管理提出相应的对称建议。
Rural credit cooperatives are the main financial institutions that support the development of agriculture, rural areas and farmers in our country. Credit business is one of the basic businesses of rural credit cooperatives and an important way for credit unions to make profits. Credit risk is a key factor in the success and failure of credit cooperatives. How to take effective measures to prevent and mitigate credit risks is the key to ensure that rural credit cooperatives continue their steady operation and development. Based on the current situation of credit risk management in rural credit cooperatives in our country, this paper analyzes the reasons for the credit risk in rural credit cooperatives in our country and puts forward corresponding symmetrical suggestions to credit risk management in rural credit cooperatives.