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杨陵区信用联社在抓内部管理中,探索了一条抑制非正常贷款发生的新路子——建立逾期催收贷款三查责任人台帐管理,经过两年多的实践,取得了较为明显的效果:1994年全区信用社不良贷款占用首次回落,1995年净降331.2万元,占用率净降5.6个百分点,今年前5个月净降232万元,占用率净降4.7个百分点,不良贷款的控制和净降分别居咸阳市14个县区之首.实施台帐管理对于扼制不良贷款前清后增,提高管理水平和经营效益起了很大作用.一、作法:(1)设置“贷款管理责任书”.“贷款管理责任书”是不良贷款台帐
In grasping internal management, Yangling District Credit Union explored a new way to curb the occurrence of irregular loans - establishing the three-time check-up management of overdue collection loans. After more than two years of practice, more obvious results have been achieved: In 1994, the non-performing loan of the credit cooperatives in the entire district took down for the first time. In 1995, the net loan loss was 3,321,000 yuan, the occupancy rate dropped 5.6 percentage points on a net basis, a net decrease of 2.24 million yuan in the first five months of this year and a net occupancy rate of 4.7 percentage points. Control and net down respectively Xianyang City, the first of 14 counties in the implementation of the management of accounts for the non-performing loans before the post-Qing increase and improve the management level and operating efficiency played a significant role First, the practice: (1) set the “loans Management responsibility. ”“ Loan Management Accountability ”is a non-performing loan account