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随社会主义市场经济的逐步建立,各专业银行向商业银行转变已是一个时间问题。在转轨过程中,各专业银行首先重视贷款方式的改革,以保证信贷资金的安全性,加速资金的周转,获取更多的利润。主要的做法就是将过去的信用贷款、政策性贷款为主,转变为抵押、担保贷款为主,这的确降低了贷款风险,减少了行政干预,对各银行按商业银行的经营方针运作,提供了较为有效的保证。但抵押和担保贷款,在实施过程中,并非万无一失,也出现了不少的问题,又给银行带来了新的风险,带来了一些亟待解决的问题,如何解决这些问题呢?本文拟就此谈点看法。
With the gradual establishment of a socialist market economy, the transition from specialized banks to commercial banks has become a matter of time. In the process of transition, all specialized banks should attach importance to the reform of loan modes first, so as to ensure the safety of credit funds, speed up the flow of funds and obtain more profits. The main approach is to change the past credit loans and policy loans into mortgages and guarantee loans, which indeed reduces the risk of loans and reduces administrative interference, and provides the banks with the operational guidelines of commercial banks More effective guarantee. However, mortgage and secured loans are not foolproof in the process of implementation, and many problems have also emerged, which bring new risks to the banks and bring about some problems to be solved urgently. How to solve these problems? Talk about the point of view.