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当前,银行信贷资产质量较差,突出表现在企业呆帐多、逾期贷款占用数量多,并呈上升趋势,使银行信贷资金周转受阻,严重制约了信贷资金投向选择和信贷结构调整,一定程度也影响了银行信贷资产的安全。逾期贷款、呆滞贷款和呆帐贷款是银行风险信贷资产的三种形态,统称为银行的不良债权。银行不良债权的形成,并非
At present, the quality of bank credit assets is poor, which is manifested in that enterprises have bad debts, overdue loans occupy a large amount, and are on an upward trend, which impedes the liquidity of bank credit funds and severely restricts the choice of credit funds and credit structure adjustment. To some extent, Affecting the safety of bank credit assets. Overdue loans, sluggish loans and bad loans are three forms of bank risk credit assets, collectively referred to as banks’ bad debts. The formation of bank bad debt, not