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所谓信贷资产风险,是指银行对企业和个人发放的贷款。发生收不回本息而蒙受损失的可能性。这种可能性是信贷资金运动中始终潜在的危险。近年来,专业银行信贷资金流动不畅、大量呆滞和风险日趋突出。认真分析当前银行信贷资产风险成因,寻找切实可行的防范对策,已成为一个重要课题。 一、信贷资产风险的成因
The so-called credit asset risk refers to the bank loans to enterprises and individuals. The possibility of losing the principal and interest incurred in the event of any losses. This possibility is always a potential danger in the credit fund movement. In recent years, the flow of credit funds of specialized banks has been sluggish, with a lot of sluggishness and risks becoming increasingly prominent. It has become an important issue to carefully analyze the causes of bank credit assets risks and find practical countermeasures. First, the causes of credit risk assets