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近年来,随着经济体制改革的不断深入,国家和地方政府出台了一系列有关企业改革的措施,旨在改善企业外部环境,有利企业自身发展,促进市场经济的繁荣。但是,由于在执行过程中存在着偏差,给银行经营带来了严重的不良影响,出现了企业悬空银行贷款,逃避银行收息收贷等现象,造成了信贷资产大量流失,资产质量明显下降的严重后果。最近,我们对望奎县工行信贷资产质量进行了调查,具体情况如下:
In recent years, with the continuous deepening of the reform of the economic system, a series of measures have been promulgated by the state and local governments on the reform of the enterprises in an attempt to improve the external environment of the enterprises, facilitate their own development and promote the prosperity of the market economy. However, due to the existence of deviation in the implementation process, it has brought serious adverse effects to the operation of banks. There has been a phenomenon such as enterprises’ dangling bank loans and avoiding bank loans and loans, causing a great loss of credit assets and a significant decrease in asset quality Serious consequences. Recently, we investigated the quality of credit assets of Wangkui County ICBC, as follows: