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国有商业银行不良资产的集中剥离工作就要结束了,虽然剥离工作取得了很大成绩,但从中也反映出基层行在信贷业务的发放管理、清收等方面还存在一些薄弱环节和急待解决的问题,如贷款手续不全、信贷档案不完整、贷后管理工作薄弱、会计凭证不规范等问题。通过总结不良资产剥离工作中发现的上述问题并加以及时整改,对于基层行今后做好授信资产风险管理,化解金融风险,提高基层行经营管理水平都具有十分重要的意义。现将发现的问题分述如下:
The centralized divestment of non-performing assets of state-owned commercial banks is coming to an end. Although great strides have been made in the divestiture work, it also reflects some weaknesses and urgent solutions for grass-roots banks in issuing, managing and collecting credit business Issues such as incomplete loan procedures, incomplete credit files, weak post-lending management and non-standard accounting vouchers. By summarizing the above problems found in the divestment of non-performing assets and timely rectification, it is of great significance to grass-roots banks in the future to manage their credit asset risk, resolve financial risks and improve the management level of grass-roots banks. The problems that we will discover are as follows: