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1、信用社（银行）不良贷款情况的调研默认表情酷猴呆呆男信用社（银行）不良贷款情况的调研银监分局：根据贵局关于开展不良贷款调研的通知，现将我市农村信用合作联社开展不良贷款调研的情况汇报如下：一、至年4月末，按贷款五级分类我联社不良贷款为17494万元，占比14.9%，资产质量状况分布：正常贷款为7044万元，关注贷款为29817万元，次级贷款为5752万元，可疑贷款为10293万元，损失贷款为1449万元。百万元以上大额不良贷款23户，金额8947.36万元，期限在大多在一年以内，结构主要分布在农林加工、橡塑、制药、耐磨、造纸、建材等行业，其中农业企业2563.38万元，橡塑企业160万元，制药企业
2、3354.7万元，耐磨企业540.5万元，造纸企业1060万元，建材企业666.9万元。二、我市农村信用社不良贷款形成原因（一）内部原因1、历史的因素。随着农村信用社与农业银行的脱钩，以前由于各种政策性贷款，政府的指令性贷款和本应由财政负担的资金由信用社包下来的贷款等各种原因形成的不良贷款遗留给信用社，造成信用社不良贷款的占比偏高。2、信贷管理因素。（1）信贷操作管理因素：为了应对全社会信用危机和纵向风险控制。基层信用社不得不加强信贷风险的控制，由此直接导致企业借贷手续复杂，成本攀高，担保难等问题的出现。企业续借资金的动机下降，从而形成正常贷款逾期，“帐面”不良贷款上升的现象。（2）贷款期限结
3、构设置因素。随着市场的进一步开放，预期不确定因素增加，信用社为防范风险，对于贷款期限的制定普遍缩短，这就和一些企业的生产周期不相吻合，到期时企业如果没有其他资金来源，又不符合借新还旧的标准，贷款必然形成逾期。因此期限的缩短在直接提高信用社审贷、放贷成本的同时也提高了账面不良贷款上升概率。（3）信贷监督管理的加强使得一些隐藏的不良贷款暴露出来。3、利益驱动的因素。一些信用社为得到较高的逾期贷款利息对有实力，风险小的企业，不主动催收贷款，导致不良贷款占比上升。4、信贷约束机构不健全，管理制度不规范。存在新官不理旧账现象，信贷人员变动频繁，有相当一部分贷款较长时间没人催收，信贷档案不够健全，造成诉讼
4、时效中断，个别信贷人员素质低下，违规放贷形成的不良贷款。由于内控制度不完善，个别信贷人员综合素质较低，加之监管力度不够，以及有些信贷人员为完成收息任务搞“以贷收息”为不良贷款的产生埋下隐患。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16jym83xkhktuma5vo0yzs5o9pb9i59fv2q,3objf,omzto7pw3zaxy3tqehb.hnoofzx5viv44fsboqi4rdcpkd4otgsxz4n8dzcolraxsh63oy.9ol6m.xri5pcw57oimppmhk.9i4oelzbiqpw7.gh
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