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在当今经济与社会发展中,金融机构的作用非常明显。农村信用社大力支持“农业,农村,农民”生产和农民生活资金需求,为地方经济的快速健康发展提供了强有力的金融支持。但是,随着农信社改革的不断深入,其面临的信贷风险也日见凸显,不良信贷资产比率直线上升,成为农信社健康发展的严重挑战之一。作为自负盈亏,自主经营,自我约束的金融企业,农村信用社必须从生存发展的高度深刻认识控制风险的紧迫性和重要性,提高风险防范和风险管控意识,特别是从制度建设和制度创新方面加强农村信贷风险管理,有效地规避和抑制风险。
In today’s economic and social development, the role of financial institutions is very obvious. Rural credit cooperatives strongly support the needs of “agriculture, rural areas and peasants” production and peasants’ living capital, and provide strong financial support to the rapid and healthy development of the local economy. However, with the continuous deepening of reform of rural credit cooperatives, the credit risk it faces has also become increasingly prominent. The ratio of bad credit assets has risen linearly and has become one of the serious challenges for the healthy development of rural credit cooperatives. As a self-financing, self-operated and self-restraining financial enterprise, RCCs must profoundly understand the urgency and importance of risk control from the perspective of survival and development, raise their awareness of risk prevention and risk management and control, and especially from the aspects of institution building and system innovation We will strengthen rural credit risk management and effectively avoid and curb risks.