论文部分内容阅读
所谓防范和化解信贷风险机制建设,属于金融企业现代信贷管理的范畴,是强化金融企业信贷管理的一种自律行为。它是金融企业有序、有效开展信贷资金营运,维护信贷资金安全完整,确保信贷资金稳健运行而采取的具有相互控制职能的方法、措施、制度和程序的建立和完善。纵观近年来世界部分地区和国家发生的金融危机,从现象上看主要表现为信贷资产质量恶化,呆滞、呆帐贷款增加而引发的金融危机。但从深层次分析主要是防范和化解信贷风险的机制建设执行滞后所致。亚洲金融危机为我们金融风险的防范与化解,敲响了警
The so-called prevention and resolution of credit risk mechanism, belong to the scope of modern credit management of financial enterprises, is a self-regulatory behavior to strengthen the credit management of financial enterprises. It is the establishment and perfection of the methods, measures, systems and procedures of mutual control functions adopted by financial enterprises in an orderly and effective manner in operating credit funds, safeguarding the safety and integrity of credit funds and ensuring the stable operation of credit funds. Looking at the recent financial crisis in some parts of the world and in the world, the phenomenon is mainly characterized by the financial crisis caused by the deterioration of credit asset quality, sluggishness and the increase in bad loans. However, it lags behind the implementation of the mechanism for the prevention and resolution of credit risks from the deep analysis. The Asian financial crisis has alarmed the financial risk prevention and resolution