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银行作为直接为社会主义经济建设服务的重要金融机构,尤其基层银行是微观经济的资金枢纽,担负着极其重要的信贷任务。因此,加强基层银行整体银贷资产风险防范,则是专业银行向商业银行转轨时期的重要保证,也是提高基层银行经济效益的必由之路。笔者认为,信贷资产质量整体防范是有可行性的但也存在一些问题。1、社会各部门对银行信贷工作认识不足。就单个企业而言,只知道资金不足向银行贷,认为这是天经地义的事,而往往忽视自身的积累和贷款的使用。同时,对贷款加速周转,提高资金使用效率意识淡薄。在取得贷款后,对银行的监督极不重视,甚至错误地认为银行不存在
As an important financial institution that directly serves the socialist economic construction, banks in particular are the financial hub of the micro-economy and bear the extremely important credit task. Therefore, strengthening the prevention and control of the overall risk of bank-loan assets of grassroots banks is an important guarantee for the transition from professional banks to commercial banks and the only way to improve the economic efficiency of grassroots banks. The author believes that the overall quality of credit assets is feasible but there are also some problems. 1, all sectors of society lack of understanding of bank credit. As far as an individual enterprise is concerned, it only understands that the lack of funds is enough to lend to the banks and regards it as a matter of course and often neglects its own accumulation and the use of loans. At the same time, there is a weak sense of accelerating turnover of loans and raising the efficiency of using funds. After the loan was obtained, the supervision of the bank lacks great importance and even mistakenly believes that the bank does not exist