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1、银行系统论文：对症下药化解不良贷款默认表情酷猴呆呆男银行系统论文：对症下药化解不良贷款近年来，农村信用社在加强信贷管理、规范信贷操作、防范和化解信贷风险等方面做了大量工作，取得了一定成效，特别是年实行贷款五级分类工作以来，信贷管理力度加大，整体信贷资产质量有所提高。但农村信用社在贷款“三查”制度执行和不良贷款管理工作等方面仍存在诸多问题，有待认真分析原因，对症下药，从根本上加以解决。成因分析不良贷款形成的内部原因分析。首先，贷款“三查”制度执行不力。突出表现在：一是调查流于形式，部分信贷人员未能按照要求对借款人情况进行实地调查，贷前调查结论失真，向不符合贷款条件的借款人发放贷款，在贷款初期即留
2、下风险隐患。二是部分贷款审查把关不严，审贷分离，集体审批制度未能严格执行，事中风险控制不到位，信贷风险得不到有效防范和控制。三是贷后检查不到位的问题相对突出，部分信用社无贷后跟踪检查记录，逾期贷款催收手续不完善，合法风险控制和保全措施未能有效行使，形成法律风险。其次，信贷管理指导思想存在偏差。个别信用社为完成不良贷款考核任务和保全信贷资产诉讼时效，长期以来对部分偿还能力不强的借款农户实行结清贷款利息予以展期或归还部分贷款本金进行换据的方法操作，掩盖了贷款的真实质量。第三，农村经济高风险特性对小额农户信用贷款质量影响较大，在缺乏农业保险的情况下，旱涝灾害、大规模动物疫情等都会对农民收入造成巨大损
3、失，直接影响到贷款的正常偿还。监管建议建立完善信贷管理制度。从治本入手，建立、完善信贷管理基本制度和贷款风险责任追究制度，根据合理分工、审贷分离、相互制约的原则设置信贷岗位，明确各信贷岗位职责及风险责任，督促农村信用社规范信贷业务操作，为有效杜绝各类信贷违规行为提供制度保障。严格落实贷款“三查”制度。从制度执行入手，督促农村信用社进一步强化信贷管理，加大内部审计稽核力度，重点强化对贷款“三查”制度落实情况的监督、检查，对于审计稽核发现违反贷款“三查”制度、违规发放贷款的责任人要严格按照规定进行责任追究，切实提高内部审计稽核的作用。增强不良贷款“双降”真实性和有效性。落实不良贷款“双降”目标责任
4、制，督促信用社采取强有力措施，加大不良贷款清收处置考核力度，提高不良贷款现金回收率，严禁人为调整贷款形态、违规换据等弄虚作假行为，一经发现，要严肃处理。建立健全不良贷款清收考核机制。要建立、完善不良贷款监测考核制度，按月对不良贷款清收工作实施监测，按季进行考核。对于不良贷款持续上升的机构要认真分析原因，督促其切实采取措施控制和化解不良贷款。对已形成的不良贷款要制定具体的清收盘活计划和工作方案，将不良贷款清收任务分解到具体岗位和个人，明确清收责任人和时限，督促信贷人员采取有效方式积极清收和保全资产，确保不良贷款清收工作取得实效。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
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