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1、银行系统论文：法律意识淡薄加大农村信用社信贷风险法律意识淡薄加大农村信用社信贷风险法律意识淡薄加大农村信用社信贷风险随着农村信用社改革的进一步深化，在信贷管理中一些问题也随之暴露出来，突出表现为在办理贷款相关手续中操作人员法律意识淡薄，内部管理制度执行不严，导致农村信用社的信贷风险加大，严重影响信用社的长远发展。一是对合同法理解不够透彻，在签定借款合同中要素欠缺，导致有的借款合同以及担保合同无效，成了依法收贷和参与诉讼时的障碍；二是未严格按照贷款通则规定程序进行贷款审批和管理，出现了变相越权审批、超额放贷、贷款手续不全等问题，贷款“三查”制度在执行中也存在很大偏差，致使贷款风险逐步由隐性变为显
2、性；三是有的贷款到期信用社不及时进行催收，中断诉讼时效，最后导致胜诉权丧失，贷款不能收回；四是担保和抵押时未严格按担保法的规定操作，出现了担保人不符合担保资格，不评估、不登记、不抵押、不签章，导致发生诉讼后虽胜诉而难以执行；五是对信贷业务操作中的违法违规行为纠正和查处力度不够，最终导致信用社资金损失。员工素质较低，教育管理仍不够。由于历史原因，农村信用社现有员工与各大商业银行相比，仍存在学历较低、综合素质无法适应业务发展的现状。虽然省联社在员工培训上不断加大力度，对各联社业务骨干经常性进行业务技能培训以及法律法规、职业操守和思想道德教育，但是，大多数员工培训和再深造的机会仍较少，只是依托平常的
3、业务学习，业务素质和道德水平长期得不到有效提高，加上受社会不良风气影响，造成个别员工规章制度观念淡薄，思想麻痹，心存侥幸。此外，在员工教育管理、重要岗位任用、年度考核机制、不良行为排查，日常考核和监督，岗位交流、轮岗、强制休假制度等方面执行不够到位，也为少数人利用职务便利作案提供了机会。目前，从全市农村信用社员工队伍状况看，在不少员工中仍存在法制意识淡薄，有章不循，违规操作的现象，更有甚者，有的员工自己已经违反了法律制度而仍自以为是，不知道违法犯在哪款，违章错在哪条，对国家的法律、信用社的规章知之甚少，我行我素已成家常，更何谈用法律法规保护自己、维护信用社？因此，强化员工的法制意识已迫在眉睫。
4、一要强化措施把法律法规知识向全员灌输，让员工知法；二要建立监督约束机制，充分运用法规的强制性，让员工自觉执法。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！16zr,un,5vi2ycsiksnfbjbiw0833uvg5ow5j2oto678g1tda9nyvxwzt70vrf232iapevy7vvfx1u1469dk30fs0cmf8ddhtwpnruf1i8rbmvsh056uzooh9i74.uu7zord6o65xb.eft35mrjm82cmrjhyzit717goua2bqc3xt3,1rge42d9u6.8xe1,2c
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