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我国专业银行信贷资产风险主要表现在资产单一,银行贷款中挂帐损失(其中相当一部分债权,表面上似乎“落实”,实际上无法收回)和板结状况严重,效益性、安全性、流动性比较差。 信贷资产质量问题,表面上是银行经营问题,实际上是我国经济生活中各种矛盾的综合反映。其直接原因是由于企业经营、投资效益下降,加上银行信贷软约束的转移造成的。 目前,我国国有工业企业资金80％、商业企业资金90％、外贸企业资金95％靠银行贷款提供。1993年末,我国银行贷款余额已超过
The risk of credit assets of China’s specialized banks is mainly manifested in the single assets, the loss of bank loans (a considerable part of the claims appears to be “actually implemented” and can not be recovered in actuality) and the situation of compaction is serious, the benefits, safety and liquidity are compared difference. The quality of credit assets is ostensibly a bank management problem, which is actually a comprehensive reflection of various contradictions in our economic life. The direct reason is due to business management, investment returns decline, coupled with the transfer of bank credit soft constraints caused. At present, 80% of state-owned industrial enterprises, 90% of commercial enterprises and 95% of foreign trade enterprises are provided by bank loans. By the end of 1993, China’s bank loan balance had exceeded