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惜贷,虽在词典中见不到它的踪迹,但其作为一种经济现象,却与银行的经 营与管理形影相随。常言道“不求有功,但求无过”。银行从业者在这种非理性 意识的主导下,更多的人在自我职业风险控制与银行预期利益冲动的抉择中选 择了前者。正因为如此,惜贷逐渐地由陌生走上了经济生活的前台。 在计划经济体制下,没有惜贷这一经济现象,当然也就没有惜贷这个词。这 主要是缘于那时的信贷资产带有大锅饭的性质,一方面由于政府的行政干预,让
Unfortunately, loans, though not found in the dictionary of its traces, but as an economic phenomenon, but with the bank’s management and management. As the saying goes “do not seek meritorious service, but seeking no ”. Under this kind of irrational awareness, more people choose the former among the choices of self-occupation risk control and bank’s expected impulse of interest. Because of this, unfortunately, gradually embarked on a foregone conclusion of economic life from unfamiliar. Under the planned economic system, there is no pity for this economic phenomenon, of course, there is no word of pity. This is mainly due to the nature of the credit assets at that time with big pots, on the one hand due to the government’s administrative intervention