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目前,各专业银行普遍面临着信贷资产质量下降的严峻现实。究其原因主要有五方面:一、“三项资金”占用居高不下。在企业转换经营机制中,有些企业整体素质低下,产品质量不高,缺乏竞争力。工业企业的产成品资金、发出商品和应收贷款占用严重。加之部分企业存在短期行为,致使资金周转困难,完全依赖银行贷款维持生产和经营。二、企业多头开户。有些企业为了截留资金,想方设法在多家银行设立帐户,逃避银行监督,甚至将销货款以个人名义划汇,以便到银行提取现金,致使银行无法收贷结息。三、地方本位主义严重。有些地方党政部门在本位主义思想驱动下,从局部利益出发,通过行政手段直接或间接干预银行信
At present, all specialized banks generally face the grim reality of the decline in the quality of credit assets. There are five main reasons for this: First, the “three funds” occupy high. In the business transformation mechanism, some enterprises overall low quality, product quality is not high, the lack of competitiveness. Finished goods of industrial enterprises, issued goods and loans receivable are serious. Coupled with the short-term behavior of some enterprises, resulting in cash flow difficulties, relying solely on bank loans to maintain production and management. Second, business long account. In order to intercept funds, some enterprises find ways to set up accounts in many banks, evade bank supervision, and even send sales and purchase money in the name of individuals in order to withdraw cash to banks, thus making it impossible for banks to collect interest and interest. Third, serious localism. In some localities, the party and government departments, driven by the idea of egoism, proceed from the interests of the locality through administrative means to intervene directly or indirectly in banking letters