新疆农村信用社社团贷款运行机制及风险控制探析  

An Analysis on the Operation Mechanism of Xinjiang Rural Credit Cooperatives Community Lending and the Countermeasures to Its Risks

作　　者：尚晓[1] 崔志瑞[2] 王亮[2] 

机构地区：[1]中国人民银行乌鲁木齐中心支行,新疆乌鲁木齐830000 [2]中国人民银行吐鲁番地区中心支行,新疆吐鲁番838000

出　　处：《征信》2014年第6期89-92,共4页Credit Reference

摘　　要：新疆农村信用社社团贷款规模不断扩大,有效满足了区域经济发展的信贷需求,但也面临着贷款投向结构不合理、流动不对称性、不良社团贷款反弹趋势明显等风险。从社团贷款规模、分布区域、盈利能力、不良存量等方面入手,针对新疆辖内13个地州(市)82家农村信用社社团贷款运行机制及风险状况进行专项研究,结合新疆发展实际,提出进一步促进新疆农村信用社社团贷款健康发展的对策建议。Xinjiang Rural Credit Cooperatives community lending has been expanding, which effectively meets thecredit needs of the region＇ s economic development, but it also faces obvious risks such as irrational lending struc-ture, asymmetry of fund flow, and significant rebound of bad loan. Starting from the size of community lending, re-gional distribution, profitability, poor inventory and other aspects, this paper conducts a special study on the opera-tion mechanism and risks of 82 rural credit cooperatives community lending in 13 cities or prefectures in Xinjiang.In the light of the actual development of Xinjiang, it presents several proposals for further promoting the sound de-velopment of Xinjiang Rural Credit Cooperatives community lending.

关 键 词：农村信用社 社团贷款 运行机制 风险 

分 类 号：F832.4[经济管理—金融学]