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自1985年以来,国家为了支持地方经济建设,发放了大量专项贷款,对贫困地区脱贫致富,发展经济起到了积极的推动作用。但是由于受主观原因的影响和客观因素的制约,有相当一部分专项贷款未达到预期效果,形成呆滞、呆帐和逾期,欠收利息逐年增加,回收困难重重,严重影响了银行自身效益,制约着经济的发展。因而,极有必要从深层分析其原因,找出相应对策,狠抓利息回收工作。
Since 1985, in order to support local economic construction, the state has issued a large number of special loans that have played a positive role in pushing poverty alleviation and prosperity in poverty-stricken areas and in developing the economy. However, due to the influence of subjective reasons and objective factors, a considerable part of special loans have not achieved the expected results, resulting in sluggish, bad debts and overdue loans, and the interest on loans has been increasing year by year, causing difficulties in recycling. This has seriously affected banks’ own effectiveness and restricted economic development. Therefore, it is extremely necessary to analyze its causes from a deep level, find out the corresponding countermeasures, and pay close attention to the interest recovery work.