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为提高农业银行信贷资产质量和经营效益,农行信贷结构调整势在必行。本文研究的不是要不要调整的问题,而是如何进行有效调整,彻底走出过去“投放——沉淀——投放——再沉淀”的恶性循环圈,从而使农行信贷业务走上良性发展的方向的问题。一、有效调整的基本方式和主要模式基本方式1.增量带动与存量活化并重。鉴于农行信贷资产质量普遍较差,即使剥离不良资产之后,事实上不良贷款和潜在的有
In order to improve the credit assets quality and operating efficiency of ABC, the adjustment of ABC credit structure is imperative. This article is not to study whether to adjust the problem, but how to effectively adjust and completely get out of the past, “put - sedimentation - put - redeposition” vicious circle, so that the credit banking business to embark on a healthy development The direction of the problem. First, the basic mode of effective adjustment and the basic mode of the basic mode 1. Incremental drive and stock activation equal. Given the generally poor quality of credit assets in ABC, even after the divestiture of non-performing assets, in fact, non-performing loans and potential