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随着社会主义市场经济的不断发展,人民银行作为中央银行的监管力度得到了加强,无论从监管手段、监管方式,还是监管内容上都有转变。从人民银行监管的内容上看,已逐步转向了以风险监管为主,而实行贷款证制度即是人民银行风险监管的一项重要内容。昆明市作为全国首批实行贷款证制度的城市,进行贷款证管理工作近四年。从实施情况看,贷款证能较全面地反映企业借还款状况,对银行及时地了解和掌握借款企业的信用情况,以便有效地防范和避免银行信贷
With the continuous development of the socialist market economy, the PBC has stepped up its supervision as a central bank and has changed in terms of regulatory measures, regulatory approaches, and regulatory contents. From the perspective of the contents of the PBC supervision, it has gradually shifted to the main risk supervision, and the implementation of the loan certificate system is an important part of the PBC’s risk supervision. As the first batch of cities in China to implement the loan certificate system, Kunming conducted loan certificate management for nearly four years. From the implementation of the situation, the loan certificate can more fully reflect the borrowing status of enterprises, banks in a timely manner to understand and grasp the credit conditions of borrowing enterprises in order to effectively prevent and avoid bank credit