当前,银行信贷资产质量低、风险大、效益差等问题已突出地摆在我们面前。特别是近几年来,银行挂帐利息与日俱增,逾期、呆滞、呆帐贷款日趋增加,帐面亏损和潜在亏损有增无减,清收贷款难于登天,使各专业银行的经营者们怨天尤人,叫苦不迭。请看下面一组数据;某县三家专业银行1995年第一季度贷款余额为16552万元,其中,逾期贷款为10863万元,占65.6％;“两呆”贷款3792万元,占24.4％;应收未收利息1115 At present, the problems of low credit quality, high risk and poor efficiency of bank credit assets have been clearly placed before us. In particular, in recent years, bank interest rates have been on the increase. Overdue, sluggish and bad loans have been on the rise. Their book losses and potential losses are on the rise. It is difficult for them to collect their loans. As a result, Complain bitterly Please see the following set of data; a county three professional banks in the first quarter of 1995 loan balance of 165.52 million yuan, of which overdue loans 108630000 yuan, accounting for 65.6%; “dull” loans 37920000 yuan, accounting for 24.4%; Interest receivable 1115