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造成银行信贷资金使用不当、质量不高,不良资产占比大,社会原因只是问题的一个方面,笔者认为最重要的原因在于银行内部。单就银行内部来说,当前贷款操作管理中现实存在的弊病和漏洞主要有以下几点。 一、贷前调查评估基础工作薄弱流于形式 1、贷前调查不深入浮在面上。贷前调查的习惯做法是:①在流动资金贷款方面。企业单位提出贷款申请时极少有提供书面论证式的申请报告,往往是有关人员到银行坐一坐、谈一谈,口头申述一下理由,摆摆困难,拍拍胸脯、发发誓,恳求银行资助。然后银行要求企业提供购销合
As a result, improper use of bank credit funds, low quality and large proportion of non-performing assets and social causes are only one aspect of the problem. The author believes that the most important reason lies in the internal bank. As for the internal bank alone, there are the following shortcomings and loopholes in the current operation and management of loans. First, the pre-loan investigation and evaluation of basic work is weak In Form 1, the pre-loan investigation does not go deep into the surface. The pre-loan investigation of the customary approach is: ① in working capital loans. When submitting a loan application, an enterprise unit rarely submits a written report of the type of application. It is often the case that the relevant personnel sit in a bank and talk to each other to make a verbal statement about the reasons for the difficulty. They pat the chest and swear to plead for bank subsidies. Then the bank asked the company to provide purchase and sale