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封闭贷款是对暂时经营困难企业的有市场、有效益产品的生产,以封闭管理的方式给予贷款支持的一种授信方式。中国银行烟台分行98年下半年以来根据上级行及当地政府的有关文件精神,选择了四户企业以封闭贷款管理方式给其授信支持,通过半年多的精心运作和严格封闭管理,企业逐渐摆脱困境,走向良性循环的发展道路,既救活了企业,避免了人员下岗,稳定了社会,也盘活了银行上亿元的不良资产,收回以前欠息、垫款等700多万元,从而取得了良好的经济效益和社会效益。
A closed loan is a form of credit granted to a loan in a closed-management manner for the production of marketable and cost-effective products that temporarily run a difficult business. Since the second half of 1998, Yantai Branch of the Bank of China has chosen four enterprises to provide credit support to them through closed-door loan management according to the spirit of the relevant documents of the superior banks and local governments. After more than half a year of careful operation and strict closed management, the enterprises gradually got out of their predicament , To a virtuous cycle of development, both to save the business, to avoid layoffs, stabilize the community, but also revitalize the bank’s 100 million yuan of non-performing assets, to recover the previous interest, more than 700 million yuan advances, which made Good economic and social benefits.