摘要农村信用社的不良贷款是特定历史条件下形成的，从某种意义上讲，是几十年来我国农村经济形态深刻变迁直接或间接遗留下来的历史问题的反映。通过对平塘县农村信用社不良贷款现状进行分析，对于农村信用社的不良贷款应基于对历史和现实的“客观分析，站在促进农村经济发展的高度，着重研究社会信用体系不健全以及贷款三”查流于形式、农业风险加剧信贷风险等问题对平塘县农村信用社不良贷款的影响，探索并提出应对平塘县农村信用社不良贷款现象的对应的化解的思路和对策。通过对不良贷款形成的可能原因进行分析，有助于信贷管理人员预防贷款风险，从而能够达到解决目前不良贷款管理的问题。关键词：平塘县；农村信用社；不良贷款；研究Ruralcreditcooperativesnon-performingloancontrolresearchinPingtangCountyasanexampleAbstractRuralcreditcooperatives’non-performingloanisformedunderspecifichistoricalconditions,speakfromacertainmeaning,isareflectionofthehistoricalissuesfordecadesofeconomicformofourcountry'sruralprofoundchangesdirectlyorindirectlythelegacyof.ThroughthepresentsituationofbadloansofruralcreditcooperativesinPingtangCountyforanalysis,ruralcreditcooperativesnon-performingloansshouldbeanobjectiveanalysisofthehistoryandrealitybased,standintheheightofpromotingruraleconomicdevelopment,focusesonthestudyofthesocialcreditsystemisnotperfectandloan"threecheck"tointensifyagriculturalrisk,creditriskandotherissuesaffectingthePingtangCountyRuralCreditCooperativesofthenon-performingloans,toexploreandresolvethecorrespondingideasandcountermeasuresputforwardruralcreditcooperativesnon-performingloansinPingtangCounty,dealwiththephenomenonof.Throughtheanalysisofthepossiblereasonsfortheformationofnon-performingloans,creditmanagementishelpfultopreventloanrisks,soastoachievethemanagementofnon-performingloansinthecurrentproblemsolving.Keywords：PingtangCounty；ruralcreditcooperatives；non-performingloans；research目录摘要.................................................................................................................................IAbstract..............................................................................................................................II前言....................................................................................................................................1一、平塘县农村信用社不良贷款的现状........................................................................2二、平塘县农村信用社不良贷款的原因........................................................................4（一）社会信用体系不健全.........................................4（二）地方政府行政干预不当.......................................5（三）农业风险加剧...............................................51.农业政策性信贷风险表现形式.................................52.农业政策性信贷风险成因.....................................5“”（四）贷款三查流于形式.........................................61.贷前调查流于形式，没有识别风险.............................62.贷时审查存有走过场，没有堵住风险...........................63.贷后检查弱化，没有发现风险.................................7（五）信贷人员业务素质较低........................................7三、平塘县农村信用社不良贷款对应策略....................................................................9（一）健全社会贷款信用体系.......................................9（二）加强与当地政府的沟通......................................10（三）加强农业保险推广..............................
