论文部分内容阅读
信贷资产质量即信贷资产的安全性、流动性、效益性结合的优劣程度。内容包括:信贷资产的集约程度是否合规、信贷资产的信用保证是否稳妥,逾期信贷资产、呆滞信贷资产、呆帐信贷资产的绝对量和相对量是否实现了有效控制。信贷资产质量状况反映了银行的资产风险程度和经营管理水平,决定着银行的生存和发展,进而关系到国民经济的稳定和发展。
The quality of credit assets that is the credit assets of the security, liquidity, profitability combined with the merits. The contents include: whether the degree of compliance of the credit assets is compliance; whether the credit guarantee of the credit assets is sound; whether the absolute amount and the relative amount of the overdue credit assets, the dull credit assets and the bad credit assets have been effectively controlled. The quality of credit assets reflects the degree of asset risk and the level of operation and management of banks, which determine the survival and development of banks and thus the stability and development of the national economy.