近几年来,与日俱增的非正常贷款,已成为障碍农村信用社正常经营的重要因素。为此,信用社不惜耗费巨大的人力物力,采取多种手段,一次又一次地进行大规模清收活动,但由于重治表,轻治本,往往前清后续,收效甚微,成为屡治不愈的顽疾。从贷款发放演变成风险,继而发展到坏帐损失,这一质变递进过程中,尽管有多种诱因和条件,但从本质上看,则是信贷管理不善的缘故。实践证明,迄今为止,信用社在信贷管理方面,还未能形成一种通过规范自身的信贷行为,防止产生贷款风险的经营机制。虽然出台了许多制度,但由于忽视了对职工个人工作质量优劣的监督控制,不能真正解决信贷人员工作好坏一个样的问题,从而对风险贷款的滚动增加束手无策。新乡市分行在辖内信用社对信贷人员工作质量,实行连续监控、定期考核、联系奖惩的管理方法,通过设置简单适用的考核指标,将信贷人员的 In recent years, increasing non-normal loans, has become an obstacle to the normal operation of rural credit cooperatives an important factor. To this end, the credit cooperatives, without resorting to great manpower and resources, took various measures to carry out large-scale collection and clearance activities again and again. However, due to the heavy rule of the watch and light treatment, the credit cooperatives often follow the pre-Qing rule with little success and become rehabilitators Illness. From loan issuance evolved into risk, and then developed into a bad debt losses, the qualitative change in the process of progress, despite a variety of incentives and conditions, but in essence, is the reason of poor credit management. Practice has proved that, so far, the credit cooperatives in the credit management has not yet formed a through its own credit behavior, to prevent the risk of operating a loan mechanism. Although many systems have been introduced, the negligence of supervision and control over the quality of individual workers’ work can not really solve the problem of whether credit officers work well or not, and can not do anything to increase the rolling growth of risk loans. Xinxiang Branch of the credit cooperatives within its jurisdiction over the quality of credit officers work, the implementation of continuous monitoring, regular assessment, contact rewards and punishments management methods, by setting simple applicable assessment indicators, the credit officers