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最近,我们对浙江省萧山市信用联社信贷资产经营状况作了重点检查,发现不少问题,主要表现在: 一、信贷资产质量现状比较严峻,贷款潜在风险较大。从被抽查的15个中心社、信用社的上报报表看,一般逾期贷款占9.06％,“两呆”贷款占5.24％,一直未引起足够重视的资不抵债企业贷款高达10.00％,且情况仍在不断恶化,很大一部分贷款事实上已呆滞。有一家企业结欠贷款5万元,利息26363元,现已是一个无厂址、无人员、无资产的“三无”企业。此外,三级企业及其以下信用等级的企业贷款有增无减。
Recently, we conducted a focused inspection on the operating conditions of credit assets of CCIA in Xiaoshan City, Zhejiang Province and found many problems, mainly manifested in: First, the quality of credit assets is rather harsh and the potential risks of loans are large. According to the reports submitted by the 15 centralized credit cooperatives and credit unions examined, the average overdue loans account for 9.06%, the loans for “dull” loans account for 5.24%, and the loans to non-liability enterprises that have not been given enough attention have been raised as high as 10.00% In a worsening situation, a large part of the loans have in fact been dull. One enterprise owed a loan of 50,000 yuan and an interest of 26,363 yuan. Now it is a “three-no” enterprise with no site, no staff and no assets. In addition, third-tier enterprises and their credit rating of corporate loans increased unabated.