论文部分内容阅读
当前正处于改革开放和发展社会主义市场经济的新阶段,银行系统的各项工作也出现了一些新情况、新问题、新矛盾。银行是经营货币资金的特殊企业,对全社会经济的发展承担着很大责任,其经营的结果对社会的稳定有重大影响。在新的形势下充分发挥银行经济杠杆作.用,不仅抓好银行经营管理,而且要抓好政治思想工作。特别是抓好金融系统的党建工作对于推动开展银行工作具有十分重要的意义。当前银行业经营管理中存在的主要问题和面临的严峻形势:一是借差过大,非正常贷款比例较高;二是信贷资产质量低,风险度高,资金周转速度减慢;三是创收水平差,费用控制难度大,经营效益下降;四是资金潜力有限,自身发展能力不足;五是经济案件不断发
At present, we are at a new stage of reform and opening up and the development of a socialist market economy. Some new situations, new problems and new contradictions have emerged in all the banking system’s work. Banks are special enterprises that operate monetary funds and bear a great responsibility for the economic development of the whole society. The result of their operation has a significant impact on social stability. In the new situation, we should give full play to the economic leverage of the banks and should not only grasp the operation and management of banks but also do a good job in political and ideological work. In particular, grasping the party building in the financial system is of great significance to promoting the work of banks. The main problems existing in banking operation and management and the grim situation faced are as follows: First, excessive borrowing and non-normal loan ratio are high; second, the credit assets are of low quality, high risk and the cash flow rate is slowed down; third, income-generating Level difference, cost control is difficult, operating efficiency decline; Fourth, the limited potential of funds, their own lack of development capacity; Fifth, the continuous development of economic cases