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一、不良贷款产生的历史和现实背景(一)不良贷款产生的体制背景建国后的三十年,基于当时国际形势,国内经济奉行自力更生、自给自足,高度集权的计划经济把一切信用集中在银行,企业生产经营资金靠财政拨、银行供给,物资供应靠调配。计划经济下资金在生产、流通、消费各环节没有断链,没有产生银行不良贷款的理由。1980年全国贷款总额即使全部为不良
I. History and Background of Non-performing Loans (I) Background of the System of Non-performing Loans In the 30 years after the founding of the PRC, based on the current international situation, the domestic economy pursued a planned economy of self-reliance, self-sufficiency and highly centralized. All credit was concentrated in banks , Production and management of enterprises by the financial allocation, banking supply, material supply by deployment. Under the planned economy, the funds are not broken in the links of production, circulation and consumption, and there is no reason for causing bank non-performing loans. Even though all the loans in the country were in bad condition in 1980,