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cheng xiang xin yong she shi xing dai kuan zhi liang wu ji fen lei zhi du cun zai wen ti yu dui ce jian yi
Author(s): 
Pages: 48-49
Year: Issue:  9
Journal: Xi'an Finance

Keyword:  城乡信用社 五级分类 自然人贷款;
Abstract: 贷款五级分类制度是国际上贷款风险分类的通行做法。我国从1999年开始引入,2005年城乡信用社开始试点推行贷款五级分类制度,但由于城乡信用社法人治理、内控机制不完善、不健全,人员素质差异及服务对象的较为特殊等原因,使其在五级分类中暴露出了诸多问题,本文拟就这些问题及相应的对策建议展开分析和探讨。
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