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金融作为经济运行的内生变量之一,其运行质量和效率对经济增长方式的转变具有重要作用。没有良好的信贷资产质量,就没有银行的生存与发展,也就谈不上支持经济发展的作用。伴随着改革开放和社会主义市场经济体制的逐步确立,国有银行迅速发展壮大,银行资产持续增加,金融服务水平不断提高。但值得引起关注的是,银行信贷资产质量并没有因为金融服务水平的提高而得以进一步改善,国有银行逾期贷款、呆滞贷款、呆帐贷款所占比重某种程度上超过了《巴塞尔协议》规定的有关标准,有的基层行处甚至高达80%以
As one of the endogenous variables of economic operation, the quality and efficiency of the operation of finance play an important role in the transformation of economic growth mode. Without a good credit asset quality, there will be no survival and development of banks and no support for economic development. Along with the gradual establishment of the market system of reform and opening up and the socialist market economy, the state-owned banks expanded rapidly, their assets continued to increase, and their financial service levels continued to increase. However, it is worth noting that the quality of bank credit assets has not been further improved due to the improvement of financial services. The proportion of overdue loans, sluggish loans and non-performing loans of state-owned banks exceeded the “Basel Accord” to some extent The relevant standards, some grass-roots line office even up to 80%