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近年来,信贷资产质量低下,尤其是基层行不良信贷资产的增多,已成为制约工商银行经济效益和发展的桎梏。为了剖析这一问题,最近我们对某基层行借款合同、借据和抵押、保证贷款的合法性进行了专项调查。 问题与后果 1996年3月,该行各项贷款余额为59248万元,签订借款合同856份,其中符合规范要求的314份,金额12298.72万元,合格率为20.26％,不合格的借款合同551份,金额46949.28万元,不合格率为
In recent years, the low quality of credit assets, especially the increase of bad credit assets at the grassroots level, has become a hurdle restricting the economic benefits and development of ICBC. In order to analyze this issue, we recently conducted a special investigation into the legality of certain loans, loans and mortgages by grass-roots banks. Problems and Consequences In March 1996, the loan balance of the bank was 592.48 million yuan, of which 856 were signed, of which 314 were eligible for the code, with an amount of 122.9872 million yuan, with a pass rate of 20.26%, and the unqualified loan contract 551 A total amount of 469,492,800 yuan, the failure rate is