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今年上半年,我们对武穴市工商银行历年形成的各种非正常贷款进行了全面的审计调查,对其形成原因、分布现状及占用形态进行了认真剖析,并提出了一些相应对策。一、非正常贷款现状及成因一九九三年底,式穴市工行货款规模10000万元,非正常贷款9100万元,占19.1%。非正常贷款中,逾期贷款7000万元,‘两呆’贷款2400万元,分别占74.5%和25.5%。从分布情况看,国营工商企业非正常贷款5568万元,分别占88.8%和11.2%;集体及乡镇企业非正常贷款1792万元,其中逾期贷款1946万元,‘两呆’贷款622万元,其中逾期贷款522万元,‘两呆’贷款1270万元,分别占29%和71%。上述情况表明,国营工商企业逾期贷款所占比重较大,集体及乡镇企业则是‘两呆’贷款的主要对象。
In the first half of this year, we carried out a comprehensive audit investigation of various abnormal loans formed by Wuxue Industrial and Commercial Bank over the years and carefully analyzed its causes, distribution status and occupation patterns and put forward some countermeasures. First, the status of non-normal loans and causes At the end of 1993, the type of acupuncture City ICBC scale of 100 million yuan, 91 million yuan non-normal loans, accounting for 19.1%. Abnormal loans, overdue loans 70 million yuan, ’dull’ loans 24 million yuan, accounting for 74.5% and 25.5% respectively. In terms of distribution, non-normal loans of state-owned industrial and commercial enterprises amounted to 55.68 million yuan, accounting for 88.8% and 11.2% respectively. Non-normal loans from collectives and township and town enterprises were 17.92 million yuan, of which 19.46 million yuan were overdue loans and 6.22 million yuan were “ Overdue loans of 5.22 million yuan and ”double stay“ loans of 12.7 million yuan accounted for 29% and 71% respectively. The above shows that the proportion of overdue loans in state-owned industrial and commercial enterprises is relatively large, while collectives and township and village enterprises are the main targets of ”two-for-one" loans.