, which not only threatens the proper functioning of rural credit cooperatives has also become a major hidden and stable development of the national economy . Massive occurrence of non-performing assets of rural credit cooperatives, rural credit cooperatives in the economic system and the system overall performance of many deep-seated problems, is a long-planned economic system constraints, as well as the early nineties the delay performance of the economy overheating. To defuse financial risks and maintain financial stability and to improve the banking situation, we must strive to reduce non-performing loans, improving asset quality. As follows:
To further improve the credit guarantee system. Loan guarantees is an effective measure to avoid credit risk: The first loan to the guarantor before the guarantee qualifications and ability to undertake a critical review of major issues of loans at least two or more of the guarantor, the conditions do not meet the security unit and individuals should be strongly negative. 2 is a dynamic review of the guarantor, guarantee period of responsibility, a guarantor shall be submitted to the credit information such as the enterprise-related benefits, credit unions should be regular or irregular conduct investigations to verify if it is found the guarantor does not have the qualifications and ability to guarantee should be able to request the lender to replace a guarantor. Third, the inability to repay the lender recourse against the guarantor of the joint and several liability immediately in order to avoid the responsibility of the guarantor to avoid the transfer of assets or exceed the statute of limitations and off the court security.
The establishment of the whole society loans credit system. Loan lenders credit system is to the credit of the registration management system. Right there is bad faith on corporate and personal credit records, to be included in the credit system as a "black list" registered. First, we must be cautious in the future of their loans. Second is the recourse debt outstanding. The third is to have evaded corporate and personal credit debt
