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dui qian fa da di qu nong cun xin yong she tui jin dai kuan wu ji fen lei shi dian gong zuo de diao cha
Author(s): 
Pages: 78
Year: Issue:  9
Journal: Xi'an Finance

Abstract: <正>一、贷款五级分类试点工作开展后所取得的积极成效从目前中宁县农村信用社贷款五级分类试点运行情况看,已取得了阶段性成效主要体现在:一是转变了信贷管理理念,从过去重视贷款的抵押担保转向更注重对借款人经营活动现金流量、财务情况等动态分析。二是通过全面收集借款户的有关资料信息,进一步规范了贷款基础档案管理。三是根据实施贷款五级分类试点后,不良贷款率有不同程度的上升趋势,多提损失拨备,做实利润。四是联社高管层重视了对信贷人员队伍的建设。
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