我国村镇银行的信用风险探究

目前,我国村镇银行由于信用评估体系不健全,贷款方式"小而散",缺少有效抵押物,客户信用意识薄弱及信贷资金投向的弱质性等问题带来高信用违约风险.为保证村镇银行的可持续发展,必须要加强对风险的认识、防范和规避,通过构建合适的信用评估体系、提供全方位的增值服务、推动多元化的信用担保模式及合适的信贷员的培养,走出一条村镇银行独特的信用风险防范模式.

Credit Risk of Bank in China's Towns

Currently banks in China's Towns is in high risk of credit default,which results mainly from the imperfect of credit evaluation system,"small and scattered" loaning patterns,lack of efficient guarantee,weakness of customers' awareness in credit,and investment feebleness.To obtain these banks' sustainable development,it is necessary to strengthen the awareness,prevention,and avoidance of risks.In this case,a kind of specific credit preventative mode should be constructed via establishing appropriate credit evaluation system,offering all-around value-added service,promoting multiple credit guarantee patterns,and cultivating suitable clerk.