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有市场经济的存在,就有风险的存在。目前,各专业银行正向商业银行转变,而贷款风险是市场经济的客观经济现象,建立信贷风险防范机制已成为商业银行的当务之急。一、建立科学高效的贷款评估机制长期以来,我国银行贷款绝大部分是信用放款,到目前为止,抵押、担保贷款愈来愈表现出抵押物不足、难变现、担保单位难找且要求条件高,因此对企业的资信评估就显得尤为重要。建立科学高效的贷款评估机制的目的在于适应社会主义市场经济的要求,使信贷资金投放得更准,用得更活,效益更好。(一)设计量化考核指标,建立完整的指标体系。通过量化指标,对借款企业资产负
With the existence of a market economy, there is a risk. At present, each specialized bank is changing to a commercial bank. Loan risk is an objective economic phenomenon in a market economy. Establishing a credit risk prevention mechanism has become a top priority for commercial banks. First, the establishment of a scientific and efficient loan evaluation mechanism For a long time, the vast majority of China’s bank loans is a credit lending, so far, mortgage, secured loans more and more showing the lack of collateral, difficult to emerge, the guarantee unit difficult to find and require high conditions , So the credit rating of enterprises is particularly important. The purpose of establishing a scientific and efficient loan evaluation mechanism is to adapt to the requirements of the socialist market economy, to make credit funds more accurate, more effective and more effective. (A) design quantitative assessment indicators, establish a complete index system. Through the quantitative indicators, the negative assets of the borrower