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当前,金融部门信贷资产质量低下,已成为社会经济发展过程中十分突出的问题,具体表现在信贷资金沉淀,散失严重,周转失灵,应收未收利息居高不下。怎样才能构建一套新的信贷机制,既能盘活银行不良资产的存量,又能有效地控制增量,是每个金融工作者应思考的问题。笔者拟就此提出一些粗浅认识,旨在抛砖引玉。不良信贷资产的成因银行不良信贷资产的形成主要有以下几个方面的原因: 1.企业效益普遍低下,自担风险能力下降,贷
At present, the low quality of credit assets in the financial sector has become a very prominent issue in the process of social and economic development. This is manifested in the fact that the credit funds are precipitated, the losses are serious, the turnover is lost and the outstanding interest receivable is high. How to construct a new credit mechanism can not only revitalize the bank’s non-performing assets but also effectively control the increment, which should be considered by every financial worker. I would like to put forward some superficial understanding in this regard, designed to start a discussion. The causes of bad credit assets The formation of bad credit assets of banks mainly for the following reasons: 1. The general low business efficiency, risk reduction at their own risk, loans