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来源：百度知道 编辑：UC知道 时间：2024/05/14 06:21:21
一直以来，不良贷款问题是制约信用社进一步加快发展速度，提升市场综合竞争能力的关键所在，由于不良贷款率一直居高不下，不良贷款消化难度大、成本高的现实，使得信用社在资金运用上捉襟见肘，这一点在基层信用社尤其明显。基层信用社本身的存贷款规模不大，依靠自身力量消化不良贷款的能力又有限，一旦贷款无法正常回收形成不良，这势必给基层信用社的发展造成严重障碍，减弱对县域经济乃至乡镇经济发展的支持力度。正因此不良贷款是制约信用社发展的关键，也是生长在信用社肌体上难以清除的一颗毒瘤，单个基层信用社消化不良贷款能力有限，可以考虑实行规范化模式，走不良贷款专业清收道路。本文对信用社不良贷款的产生，不良贷款的清收措施进行了分析和建议。

Since always, not good has loaned the question is restricts the credit
association further to speed up the development speed, promotes the
market synthesis competitive ability the key to be at, because not the
good loan rate continuously stays at a high level, not good loans the
digestion difficulty in a big way, the cost high reality, enables the
credit association to have too many problems to tackle in the
utilization of capital, this point is especially obvious in the basic
unit credit association. Basic unit credit association itself saves
the loan scale not to be big, depends upon the ability which own
strength digestion not good loans also to be limited, once loans is
unable normally to recycle forms not good, this inevitably will give
the basic unit credit association the development to create the
serious barrier, will weaken to the county territory economy and even
villages and towns economy development suppor