论文部分内容阅读
近几年来,欠发达地区的各级商业银行加大向土地储备机构发放土地储备贷款的力度,增强土地储备机构资金实力、促进了土地资源的优化配置和保值增值,有效地满足了这些土地开发和市政建设的需要。但是也出现了诸种问题,致使银行信贷风险逐渐显现。本文通过对欠发达地区土地储备贷款特点的分析,揭示了这类贷款目前存在的问题及其风险隐患,并提出了相应的政策建议。
In recent years, the commercial banks at all levels in underdeveloped regions have stepped up their efforts in issuing land reserve loans to land reserve agencies, strengthening the financial strength of land reserve agencies, promoting the optimal allocation of land resources and preserving and increasing their value, effectively meeting the needs of these land developments And municipal construction needs. However, various problems have also emerged, causing banks’ credit risk to gradually emerge. By analyzing the characteristics of land reserve loans in underdeveloped areas, this paper reveals the current problems and potential risks of such loans and puts forward corresponding policy recommendations.