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信贷资产质量为何低劣,是什么原因形成的,如何提高信贷资产质量,一直是欠发达地区农业银行所面临的严峻而现实课题。针对基层行实际情况,我们对农行黄冈市分行所辖某支行进行了调查,对信贷资产质量的现状、形成原因进行了剖析,对如何提高信贷资产质量提出对策和建议,借此与同行探讨。一、信贷资产质量现状根据调查情况,该支行信贷资产质量现状令人瞠目,主要表现为“三多三少”:1、不良贷款多正常贷款少。按四级
Why the quality of credit assets is poor, what causes the formation of how to improve the quality of credit assets, has been less developed areas of the Agricultural Bank faced serious and realistic issues. In view of the actual situation of grass-roots banks, we investigated a branch under the jurisdiction of Huanggang Branch of Agricultural Bank of China and analyzed the status quo and causes of the formation of credit asset quality. We put forward countermeasures and suggestions on how to improve the quality of credit assets so as to discuss with counterparts. I. Current Situation of Credit Assets Quality According to the investigation, the quality of credit assets of the sub-branches is striking. The main manifestations are as follows: 1. More non-performing loans and more normal loans. Press four levels