论文部分内容阅读
加强资产质量管理,确保资金安全运行是当前各国有商业银行主要的目标任务之一。杜绝新的金融风险因素的扩张,加强对贷款增量的管理显得尤其重要。部分银行一味地寻求利润的最大回报,忽视了国家的产业政策和信贷政策,使贷款增量投向发生倾斜,从而步入了经营的“误区”。 一、不合理的贷款增量的表现 之一、贷款增量过于集中,潜在风险严重突出 将大面积资金集中向效益好的重点大型
Strengthening asset quality management to ensure the safe operation of funds is one of the major goals and tasks of commercial banks in various countries. It is especially important to put an end to the expansion of new financial risk factors and to strengthen the management of incremental loans. Some banks blindly seek the maximum return on profits, ignoring the country’s industrial policy and credit policy, so that the incremental lending of loans is inclined to enter the “misunderstanding” of the business. First, the unreasonable performance of one of the incremental loans, loans are too concentrated, the potential risks seriously highlight the large area of funds to focus on the benefits of large-scale