论文部分内容阅读
按照“审慎、规范、稳健”的信贷经营理念,必须尽快建立与之相适应的信贷退出机制,这既是农业银行提高信贷资产质量、提升信贷管理层次的内在要求,更是预防和控制信贷风险的必然选择。本文拟结合基层农行信贷经营的实际,对信贷退出机制的建立作初步探讨。一、信贷退出机制:基于现实的沉重命题1、透过经济发展的阶段性特征看信贷退出1.1 特定的经济转型期。目前,政府虽然原则上作为经济活动中的“裁判”和“守夜人”退出了市场,但由于长期的行为惯性和利益冲突,政府并未完全规范其市场行为,加上法律保障机制的不
In accordance with the “prudent, standardized and prudent” credit management philosophy, a credit withdrawal mechanism must be established as soon as possible. This is not only the inherent requirement of the Agricultural Bank of China to improve the quality of credit assets and credit management, but also to prevent and control credit The inevitable choice of risk. This paper will be based on the grass-roots ABC credit management practice, the establishment of credit exit mechanism for a preliminary discussion. First, the credit withdrawal mechanism: based on the reality of the heavy proposition 1, through the stage of economic development to see the credit withdrawal 1.1 The specific period of economic restructuring. At present, although the government has, in principle, withdrawn from the market as a “referee” and “night watchman” in economic activities, the government has not fully regulated its market behavior due to long-term behavioral inertia and conflicts of interest, plus legal protection No mechanism