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地方金融对解决当前县域金融相对萎缩和中小企业融资困难、促进金融与经济协调发展方面具有深远的意义,但是其信用风险已成为当前影响金融安全、制约经济发展、危及社会稳定的一个全局性、普遍性的大问题。本文结合广西地方金融机构具体情况对其贷款信用风险进行分析,提出防范和减少地方金融机构贷款信用风险的方法。
The local finance has far-reaching significance in solving the current relative decline of county finance and the financing difficulties of SMEs, and promoting the coordinated development of finance and economy. However, its credit risk has become a global, economic and social crisis that affects financial security, restricts economic development and endangers social stability. The big problem of universality. In this paper, we analyze the credit risk of the local financial institutions in Guangxi according to the specific conditions and propose ways to prevent and reduce the credit risk of the loans of local financial institutions.