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为提高银行的外汇信贷资产质量,监控外汇贷款的发放、使用和回收,防范外汇信贷风险,建立一套科学的、合理的外汇信贷指标体系至关重要。然而,当我们认真推敲银行使用多年的一些外汇信贷指标时,却发现其中存在着缺陷和不合理之处。在专业银行向国有商业银行转轨的步伐日益加快的今天,继续使用这些量化指标,不仅难以科学考评外汇信贷资产质量,而且有可能导致决策失误,甚至带来经济损失。因此,修改、纠正这些指标事关业务发展大局,本文对此作一些探讨,以与同仁切磋。如有偏颇、不当之处,请批评指正。
In order to improve the quality of foreign exchange credit assets of banks, it is very important to monitor the issuance, use and recovery of foreign exchange loans, prevent foreign exchange credit risks and establish a scientific and reasonable foreign exchange credit indicator system. However, when we carefully consider some of the foreign exchange credit indicators used by banks for many years, we find flaws and irrationality therein. As the specialized banks transition to state-owned commercial banks is accelerating day by day, the continued use of these quantitative indicators not only makes it difficult to scientifically evaluate the quality of foreign exchange credit assets, but also may lead to policy-making mistakes or even economic losses. Therefore, the revision and correction of these indicators are related to the overall situation of business development. This article makes some discussions on this issue to discuss with my colleagues. If biased, inappropriate, please criticize correction.