论文部分内容阅读
在国家专业银行向国有商业银行转变之际,如何通过防止信贷风险,拒绝信贷风险,分散信贷风险,转化信贷风险等方式,把信贷资产风险降到最低限度,提高资金营运效益,已日益摆上重要议程。中国银行攸县支行以加强防范信贷风险为重点,狠抓信贷的良性运作,作了有益的工作并取得了显著成绩。中国银行攸县支行成立仅5年,拥有信贷企业30家,贷款余额3482万元,因多方原因,部分信贷资产质量欠佳,风险较大。为了有效地遏制信贷风险,适应社会主义市场经济发展的新形势,该行深入企业调查研究,分析不同企业贷款风险的原因,区别不同情况采取“转”、“分”对策,千方百计消除贷款风险,取得银行、企业、社会效益三家均好的局面,
How to minimize the risk of credit assets and improve the efficiency of capital operation by means of preventing credit risk, rejecting credit risk, diversifying credit risk and transforming credit risk, etc., has become increasingly important in the transition of the state-owned commercial banks to state-owned commercial banks Important agenda. Bank of China You County Branch to strengthen the prevention of credit risk as the key, pay close attention to the benign operation of credit, made useful work and achieved remarkable results. Bank of China You County branch was established only five years, with 30 credit enterprises, the loan balance of 34.82 million yuan, due to various reasons, some of the credit assets of poor quality, greater risk. In order to effectively contain the credit risk and adapt to the new situation of socialist market economy, the bank conducts in-depth investigations and studies of enterprises, analyzes the causes of the loan risks of different enterprises, and adopts “turn” and “minute” measures to distinguish different situations and eliminates the loan risks in every possible way. Access to banks, businesses, social benefits three are good situation,