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(一) 由于历史遗留问题,政策性因素影响和银行内部管理不善等原因,致使专业银行贷款质量低,资产流动性差,使信贷资金周转受阻,严重影响资金正常运转。要扭转银行经营中的被动局面,实现信贷资产的良性循环,盘活贷款存量,提高信贷资金使用效益,已成为当前一项紧迫而艰巨的任务。当前,银行贷款存量大,不良贷款多,其根本原因有以下几个主要方面。
(I) Due to the problems left over by history, the policy-related factors and the poor internal management of banks, the quality of loans to specialized banks is low and the liquidity of assets is poor, which hinders the liquidity of credit funds and seriously affects the normal operation of funds. It has become an urgent and arduous task to reverse the passive situation in the bank operation, realize a virtuous cycle of credit assets, make a living in the stock of loans and improve the efficiency of the use of credit funds. At present, there are a few major reasons for the large amount of bank loans and the large number of non-performing loans.