Strengthening Rural Credit Cooperatives Management

ncycgdxhl

Strengthening Rural Credit Cooperatives Management & Administration

The main reason is the kind of pattern in the past for a long period of time, in order to develop the economy of rural credit cooperatives, or by the impact of the social environment, a large number of loans to invest in rural enterprises, and loans to support rural enterprises are mostly over 60% of total loans,[link widoczny dla zalogowanych], some even as high as 80-90%, resulting in the risk to invest in rural enterprises to focus. Once the environmental impact of the market economy and meet the total supply and total demand of social change, the majority of township enterprises is difficult to transfer production to fall into the predicament, and some can not withstand the fierce market competition, they were shut down, the formation of large amount of debt unable to pay, so that the end of the rural credit cooperatives Interest receivable piled up, the loss increases, the amount of loss continues to rise, to the survival and development of rural credit cooperatives to bring a direct threat. Second, strengthen the management of rural credit cooperatives, measures 1, for r stabilize the financial order, and ensure that financial institutions compete on equal and common development,[link widoczny dla zalogowanych], the People's Bank should play a regulatory function effect on the society to rectify the financial order to the real thing, High interest rates kept resolutely stop the illegal acts of football in the At the same time strengthening the management of rural credit cooperatives. To update the ideas, foster awareness of the market economy, a clear objective of credit management, expand business, increase awareness of accounting, the establishment of sound business management, and strive to improve their operational efficiency and management level. 2, make an inventory of assets in stocks, the rural credit cooperatives must work harder to set up conditional Xianlian She should be as soon as possible Responsible for recovering loans and litigation law, security, implementation and other matters. Deep to find out the arrears of the enterprise and operation, to adjust the loan structure, compressed non-performing loans. Of precipitation funds to conduct a comprehensive and thorough clean-up, implementation of credit and debt, a realistic reflection of Ken {lh 20 30 Triple death. Ji iI snapped financial HEZUOJlNRONG funds used form of credit. The classification of loan business line, lose a bit of fresh blood will be able to start and to repay the interest on the business, lending further support to be given to maintain the production, to increase stamina, to repay the loan installments. On the injection of funds is difficult to save or losses after the hopeless, and may be represented by resident corporate loan officer, the implementation of closed-end credit management, in-depth help companies clear the receivable collection, processing property for repayment of the loans,[link widoczny dla zalogowanych], and the gap to ensure that those responsible be held and the department in charge debt. On the increment in the optimization. Should be guided by the market to benefit as the scale,[link widoczny dla zalogowanych], in accordance with the , takes a pragmatic form of credit assets reflect, to ensure the credit management of rural credit cooperatives by a standardized path. 3, increase the intensity of cleaning up non-normal loans, utilizing funds. In addition to the rural credit cooperatives to set up a agency working group composed of packages entered into the business community credit unions and loan companies difficult to carry out the implementation of debt loans case by case basis, and improve procedures for those who have taken loans for handling personnel issues, the Borrower (people),[link widoczny dla zalogowanych], the inventory of people Party and government departments also rely on the support of local, long-term do not observe the credibility of those who do not bear the debt of the business and personal loans. Determined in accordance with relevant laws and regulations to implement the financial and economic sanctions, moving funds out of the woods of rural credit cooperatives effectively reverse the losses. 4, guard against and defuse financial risks, it is necessary to protect the work of cadres and workers of rural credit initiative. In the implementation of the According to the actual situation, indicators of assessment should seek truth from facts, the correct distinction between the work of the negative, irresponsible and constrained by external factors affect the effectiveness of the work, to distinguish accurately reflect the situation, courage to face reality and to provide false information to conceal the truth boundaries. Fully mobilize the enthusiasm of the majority of workers to form a back office care field, the field concerned about the back office, work together, promote love and dedicated spirit. Only then can the management of rural credit cooperatives is much better to properly fulfill all the tasks, operational risks in order to effectively prevent and ultimately reverse the losses. So that the cadres and workers of rural credit cooperatives in terms of ideology, the real work to establish (Author: Yongning rural credit cooperatives. Yongning 530,200) (article editor: Long Xiao-yun)