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降低不良资产比例,防范和化解信贷风险,是今年每个金融机构工作的重点,也是中央银行强化金融监管的重中之重。根据笔者多年的检查实践,发现虚假降低和化解信贷风险主要有以下五种手法: 一、直接调账调表,虚假反映不良资产结构。有些金融机构,为了达到上级行资产质量考核指标要求,在月末和年末,采取调账调表等手法,违规调整不
Reducing the proportion of non-performing assets and guarding against and resolving credit risks is the focus of every financial institution’s work this year. It is also the most important task of the Central Bank to strengthen financial supervision. According to the author’s years of inspection practice, I found that false reduction and credit risk mitigation are mainly the following five kinds of tactics: First, the direct transfer of reconciliation adjustment table, false reflect the non-performing assets structure. Some financial institutions, in order to meet the upper line asset quality assessment indicators requirements, at the end of the year and the end of the year, to adjust the balance sheet and other tactics, irregularities do not adjust