农村信用社不良资产处置建议.pdf

本科毕业论文（设 计） 农村信用社不良资产处置建议 Rural credit cooperatives non-performing assets disposal suggestion 作 者 专 业 金融学 指导教师 分 院 金融学院 二〇一一年五 农村信用社不良资产处置建议 摘要：随着 2003 年以来我国农村信用社改革的深入，农村信用社的不良贷款保持双降，但 是长期积累下来的不良资产没有得到合理、有效的处置，这成为农村信用社发展的绊脚石， 严重影响农村信用社的发展。本文通过调查农村信用社不良资产现状，阐述了不良贷款对农 村信用社发展的巨大影响，并结合 2003 年以来农村信社实际情况提出不良资产的处置建议， 有利于农村信用社合理、高效地处置不良资产，提高农村信用社盈利水平，促进农村信用社 长远发展。 关键词：不良贷款；不良资产；中央银行政策支持 Rural credit cooperatives non-performing assets disposal suggestion Abstract ：Thorough Our country Countryside Credit association has reformed which since along with 2003, the countryside credit associations non-performing loan maintains double falls, but accumulates for a long time not the good property has not obtained reasonably, effective handling, this becomes the stumbling obstacle which the countryside credit association develops, affects the countryside credit association seriously the development. This article through investigates the countryside credit association not good property present situation, elaborated non-performing loan huge influence which develops to the countryside credit association, since and has unified 2003 the countryside letter society actual situation to propose not good property handling suggested, is advantageous reasonably, in the countryside credit association handles not the good property highly effective, raises the countryside credit association profit level, promotes the countryside credit association long-term development. Keywords: Non-performing loans ；Non-performing assets ；The centra