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全面推行贷款风险管理是专业银行适应市场经济发展和向国有商业银行转化的客观需要。尽管此项工作在各行开展的时间长,但也取得了一些效果。然而,由于贷款风险管理是一项复杂而严密的系统工程,涉及许多方面,在试行过程中仍存在一些问题有待解决。 1.在具体操作过程中,风险度的评定指标容易失真。一是在企业信用等级的评定上,其指标参照值未考虑区域及行业的差异。由于我国地域辽阔,各地的经济发展水平及企业的基础设施和整体实和差异较大,特别是国家产业政策对不同地区(区域)的重点倾斜而形
The full implementation of loan risk management is the objective need of specialized banks to adapt to the development of market economy and to the transformation of state-owned commercial banks. Although this work has taken a long time in all walks of life, it has also achieved some results. However, since loan risk management is a complex and rigorous system engineering involving many aspects, some problems remain to be solved during the pilot process. 1. In the specific operation, the assessment of risk indicators easily distorted. First, in the assessment of corporate credit rating, the reference value of the index did not take into account regional and industry differences. Due to the vast territory of our country, the level of economic development in various places and the infrastructure and overall firmness and difference of the enterprises are quite large. In particular, the national industrial policies have been oriented toward different regions (regions)