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据有关资料介绍,目前国有银行持有的不良债权达8000—12000亿元,占银行信贷资产总量的25—40％,国有银行信贷资产的质量下降和恶性循环,大大削弱了金融的信用基础,因此,如何加强清贷收息,化解不良债权盘活信贷存量,已经成为国有银行向现代商业银行转轨过程不可回避的重大研究课题。 目前国有银行与国有企业在清理债权债务关系中,债务企业为了甩掉欠帐包袱,普遍要求债权银行停息挂帐或
According to relevant information, the current state-owned banks hold 800-1200 billion of bad debts, accounting for 25-40% of the total credit assets of the state-owned banks. The credit quality of credit assets is declining and vicious circle, which greatly weakens the credit base of finance Therefore, how to strengthen the interest-earning of clearing-lending and to defuse the inventory of bad credit-activating credit has become an unavoidable major research subject of the transition from a state-owned bank to a modern commercial bank. At present, state-owned banks and state-owned enterprises in the relationship between debt and debt clean-up, debt companies in order to get rid of the burden of debts, credit banks are generally required to suspend account or hang