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贷款是银行的主要经营业务。近年来,由于多种原因,银行贷款呆帐率日趋攀高,这种情况严重影响银行信贷资金的正常周转,大大降低银行的的资产质量。因此,大力压缩逾期贷款,不仅是加速银行业务资金周转,提高贷款效益的必然要求,也是促进企业技术进步,提高企业自身效益的迫切需要。 一、坚持以贷促收,科学评估,实行综合管理
Loans are the bank’s main business. In recent years, due to a variety of reasons, the bad loans of bank loans have been rising. This situation has seriously affected the normal turnover of bank credit funds and greatly reduced the bank’s asset quality. Therefore, the over-allotment of overdue loans is not only an inevitable requirement for accelerating the liquidity of bank operations and improving loan efficiency, but also an urgent need to promote technological progress and enhance the effectiveness of enterprises. First, adhere to the loan to promote income, scientific assessment, the implementation of integrated management