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今年,国家先后颁布了《人民银行法》、《商业银行法》、《票据法》和《担保法》,在最近的全国银行业经营管理工作会议上,又制定了《贷款通则》,这标志着我国银行业的管理进入了一个新阶段。已出台的这些法规是银行经营业务、维护正常同业竞争的“上方宝剑”。中国人民银行戴相龙行长在报告中指出,要切实把工作重点转移到加强经营管理、提高资金使用效益上来。经过两年努力,使国有商业银行经营管理水平有一个明显的提高,到2000年末要把国有商业银行(原工、农、中、建四大专业银行)建成具有国际管理水平的商业银行;银行不良贷款到1997年要控制在17％以内,其中呆滞、呆帐贷款不超过8％。中国银行王雪冰行长要求今明两年要把不良资产压缩两个百分点。这期间任务是艰巨的,这给银行信贷工作带来了更新、更高的要求。
This year, the state successively promulgated the People’s Bank Law, the Commercial Bank Law, the Negotiable Instruments Law and the Guarantee Law. At the recent national banking administration and management conference, the Bank also formulated the General Rules for Loans, The management of our banking industry has entered a new phase. These laws and regulations that have been promulgated are “upper swords” for banks to run their businesses and maintain normal competition with their peers. Dai Xianglong, head of the People’s Bank of China, pointed out in his report that it is necessary to earnestly shift the focus of work to strengthening management and improving the efficiency of capital utilization. After two years of hard work, the level of operation and management of state-owned commercial banks has been greatly improved. By the end of 2000, state-owned commercial banks (the four major specialized industrial, agricultural, medium-sized and specialized commercial banks) should be built into commercial banks with international management standards. Banks Non-performing loans to control in 1997 to 17%, of which sluggish, bad loans no more than 8%. Bank of China Governor Wang Xuebing demanded that non-performing assets should be compressed by two percentage points this year and next. The task during this period was arduous, which brought new and higher demands on bank credit work.