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1、信用社（银行）不良贷款下降幅度大的情况说明默认表情酷猴呆呆男信用社（银行）不良贷款下降幅度大的情况说明我联社今年末不良贷款余额为x万元，较年初净下降x万元，较同期降幅为43.43%，不良贷款占比为6.42%，较年初下降了3.88个百分点。其中：逾期贷款余额为x万元，占比1.64%，较年初下降x万元，降幅为47.77%，双呆贷款余额为x万元，占比为5.22%，较年初下降x万元，降幅为51.75%，不良贷款净下降工作创近年新高。一、改革扶持政策的到位，微调票据增加置换不良贷款x万元，占当年不良贷款净下降总额的51.6%。二、加大贷款核销力度，当年对符合呆帐核销条件计x万元的贷款，报经县国税局批准进
2、行了“内销外挂”，占当年不良净下降总额的8.7%.三、加大盘活力度，当年收回不良贷款x万元，占当年不良贷款纯降总额的39.7%。剔除政策等因素不良贷款盘活中主要有以下几点：1、完善和修订各项规章制度，促使不良贷款的清收。先后完善了xxx农村信用社不良贷款责任追究制度、xxx农村信用社贷款损失赔偿制度及补充规定，用制度来约束堵源头，用制度来鞭策促清收进度。2、狠抓制度落实，执行中做到“三关”。一是下硬茬做到“门前清”，给相关责任人发送督办令，限期收回个人“三违”贷款，联社机关共有x人有违章贷款x万元，限x年x月底前收回或赔清，止x月底全部清理结束，共有x名职工个人赔偿贷款x万元，为全县职工清收个
3、人违章及不良贷款工作带了个好头，在x月份又有x余名职工个人赔偿贷款x万元，同时向全县信用社职工进行了告诫，对违章贷款收回进度缓慢的信用社职工x专送督办令，并制定了清收计划；二是运用贷款问责制，加大责任金的扣收力度，对按期不能完成清收计划的职工，用个人工资偿还，05年3月13日，对全县信用社职工的03至04年挂扣的贷款责任金x万元，对于xxx等x名职工x年清收年未完成x万元的，以xxx号文件从年度返还工资中扣除x万元，两项共计收回不良贷款x万元；另外根据目前职工工资水平在x年我们又提高了违章贷款责任人责任金的扣收比例，具体为xx万元以下的每月按x扣收，xx万元以上的每月按xx元扣收，专户管理按期
4、返还偿还指定贷款。三是加大责任制考核力度，联社在季度考核中职工个人完成任务时拿出x分，集体x分的指标进行量化考核，计算到人，实行末位淘汰，确保不良贷款纯降计划的按期完成。总之采取多管齐下的手段共收回职工“三违”贷款x万元，其中职工个人赔偿x万元，有x人做到了责任贷款“门前清”，占三违贷款部额的x%，当年净降x万元，占金额的x%。3、依法清收，攻坚破垒。去年以来对不良贷款占比高、清收难度大、贷户信用观念差的x信用社，主要运用法律手段依法起诉x户，金额x元，全部胜诉，年内已收回x元，打开了清收不良贷款的铁门栓。4、借助行政力量，营造清收不良贷款的氛围。为了认真落实全市金融工作电视电话会议精神，推动
5、“信用xx”创建活动的深入开展，xxx人民政府办公室下发了关于认真做好单位组织和职工到逾期贷款的通知（x政办发200xx号）成立了清收领导小组，加强领导，在实际清收过程中取得了良好的效果，多年呆滞贷款得到了盘活。通过以上措施的采取在05年的清收工作中虽然取得了一些成绩，但同上级行社及信用社改革的要求还有一些差距，我们将在以后的工作中借改革之东风，内强素质，严加管理，不断盘活现有贷款的存量，管好信贷贷款的出口，确保不良贷款不得反弹，达到上级改革的要求。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！16l7n0c2vgyl0wfwcbt9h
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