论文部分内容阅读
在陕西省澄城县金融战线上。有一位无名小卒,叫马百党,是业善乡魏家斜村信用站信贷员。虽然人微位卑,但他34年来所创造的业绩却堪称“国际水平”。话似乎说大了,但你看了我们的报告,也许就不会说这个评价言过其实。国际金融界有一个考核信贷质量的通用标准,叫“852”,就是说,贷款余额中,允许有8％的逾期款,5％的呆滞款,2％的呆账。而马百党目前的103万元贷款余额中,逾期款为0,呆滞款为2.4％,呆账款为O! 34年来,他一手累计发放贷款近5000万元,没有1分钱的烂账。信誉是金融业的生命。在这一点上,马百党的事迹足以让瑞士银行肃然起敬。一个老汉在信用社存了些钱,过几天就打发老伴来试探,询问有这事没这事。马百党装的像:“没有。他弄啥挣下钱了? 我毕了就去找他揽存款
Chengcheng County in Shaanxi Province on the financial front. There is an unnamed pawn, called the Mubai party, is a good letter Township Weijia oblique credit station credit. Although man has a slight base, the performance he has created over the past 34 years is called “international standard.” Words seem to be big, but you read our report, maybe you will not say that the evaluation is exaggerated. The international financial community has a common standard for assessing credit quality, called “852”, that is, 8% overdue loans, 5% lag and 2% bad loans are allowed in the loan balance. However, the current 1.03 billion yuan loan balance of the Hundred Party has overdue loans of 0% and dull loans of 2.4%. The bad loans are O 34 years ago. In the past 34 years, he totally issued loans of nearly 50 million yuan and did not have a penny of bad debt. Reputation is the life of the financial industry. At this point, the successes of the 100-member party are enough to make the Swiss bank awe. An old man kept some money in the credit union. He sent his wife to temptations in a matter of days and asked if there was any such thing. Horses like a hundred pieces of equipment: "No. He got what money? I finished looking for him to buy a deposit