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随着国有专业银行商业化以及金融国际化的发展,商业银行建立一套科学合理而又行之有效的信贷质量指标体系至关重要。然而,当我们认真推敲银行多年来使用的一些信贷质量指标时。却发现其中存在着缺陷和不合理之处。继续使用这些量化指标,不仅难以科学考评信贷资产质量,而且有可能导致决策失误,甚至带来经济损失,影响银行业务经营。因此,修改、纠正这些指标事关业务发展大局。本文拟就此作一些探讨,提出相关修正建议,不当之处,欢迎批评指正。 1、贷款愈期率。这是反映信贷资产质量的一个重
With the commercialization of state-owned specialized banks and the development of financial internationalization, it is of crucial importance for commercial banks to establish a set of scientific, reasonable and effective credit quality indicator systems. However, when we carefully consider some of the credit quality indicators banks have used over the years. But found that there are flaws and unreasonable. Continued use of these quantitative indicators will not only make it difficult to scientifically assess the quality of credit assets, but may also lead to policy-making mistakes or even economic losses, affecting the operation of banking businesses. Therefore, revising and correcting these indicators are related to the overall development of the business. This article is intended to make some discussion on this, put forward the relevant amendments proposed, inappropriate, welcomed the criticism and correction. 1, the loan recovery rate. This is a reflection of the quality of credit assets