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建立有效的信贷退出机制有助于商业银行对信贷资金的重新分配,达到合理利用资金,有效规避信贷风险的目的,这也是商业银行市场化的必然诉求。建立科学有效的信贷退出机制是商业银行信贷业务稳健发展的基础,也是保持良好资产质量,提高经营效益的重要制度保障。本文对相关信贷退出的理论和实践进行了总结,并当前我国商业银行信贷退出的现状进行了分析,就如何建立科学有效的信贷退出机制进行了探索。
The establishment of an effective credit withdrawal mechanism helps commercial banks to reallocate credit funds and achieve the purpose of making rational use of funds and effectively avoiding credit risks. This is also an inevitable demand for the commercialization of commercial banks. Establishing a scientific and effective credit withdrawal mechanism is the basis for the sound development of credit business in commercial banks and an important institutional guarantee for maintaining good asset quality and improving operating efficiency. This article summarizes the theory and practice of relevant credit withdrawals, and analyzes the status quo of credit withdrawals of commercial banks in our country at present, and explores how to establish a scientific and effective credit withdrawal mechanism.