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当前企业在改制进行资产重组过程中,由于法规、政策不完善,有的企业借改制之机逃债、赖债,影响到作为企业最大债权人商业银行信贷资产的质量,使商业银行信贷风险扩大,不良资产增加。为此,提出在企业改制进行资产重组时,要健全各项法规,完善各项政策,从而有效防范和化解商业银行信贷资产的风险。一、商业银行在企业重组中面临的信贷风险目前我国商业银行信贷风险主要表现是不良资产比例偏高,逾期、呆滞、呆帐贷款
In the process of reorganization and asset restructuring, due to the imperfect laws and regulations and policies, some enterprises use the mechanism of restructuring to evade debts and rely on debts, affecting the quality of the credit assets of commercial banks as the largest creditor of the enterprises, thus widening the credit risk of commercial banks, Increased assets. Therefore, it is proposed to improve the laws and regulations and improve the policies in the restructuring of enterprises so as to effectively prevent and resolve the risks of commercial banks’ credit assets. First, the commercial banks in the restructuring of enterprises are facing credit risk At present, China’s commercial banks credit risk is mainly the proportion of non-performing assets is too high, overdue, sluggish, bad loans