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pan huo bu liang dai kuan shi niu kui zeng ying de guan jian
Author(s): 
Pages: 38-39
Year: Issue:  11
Journal: Rural Credit Cooperative of China

Abstract: <正> 不良贷款是指那些被窒息、封杀在某些贷款客户或某些环节的信贷资金,它失去了信贷资金所应有的本性(流动性、效益性和安全性),不良贷款一旦形成,它不仅不能为信用社创造任何效益,相反,它还要吞食信用社的“营养”和“血液”。信用社信贷资金主要是由社员股金、存款、人行再贷款组成,而这些负债存在一天,信用社就责无旁贷的要支付红利、利息等,同时,为清收不良贷款还得要支付一定数量的费用,有时甚至是高额费用。笔者姑且称这些费用为“多余成本”,它是信用社扭亏增盈的大敌。
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