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提高信贷资产质量,是专业银行向商业化转轨的必然要求,也是银行赖以生存的必要条代件。为确保信贷资产的安全性、流动性和盈利性,去年我们先后两次根据总行对低质量贷款的划分标准,就全辖信贷资产进行逐笔清理,对我行1994年6月底40719万元的人民币贷款质量客观地进行了界定,共划分出正常贷款28318万元,占贷款余额总数的69.5%,低质量贷款12401万元,占贷款余额的30.5%。在低质量贷款中,可能形成呆滞的贷款为1815万元,收回无望的贷款为4372万元,分别占贷款总额的4.24%和10.21%。从
To improve the quality of credit assets is a necessary requirement of professional banks to transform their businesses and is also a necessary substitute for banks to survive. In order to ensure the safety, liquidity and profitability of credit assets, last year we conducted one-by-one liquidation of credit assets under the Bank’s headline criteria for low-quality loans twice in the past four years. As of the end of June 1994, our total assets of 407.19 million yuan The quality of RMB loans was objectively defined. A total of 283.18 million yuan of normal loans were delineated, accounting for 69.5% of the total loan balances. Low-quality loans totaled 124.01 million yuan, accounting for 30.5% of the loan balance. Among the low-quality loans, there may be a sluggish loan of 18.15 million yuan and a hopeless loan of 43.72 million yuan, accounting for 4.24% and 10.21% of the total loans respectively. From