违规发放固定资产贷款,是当前信贷管理工作中比较突出、对宏观调控破坏性较大的问题,其表现形态多种多样,主要有以下表现形式: 明目张胆型。信贷规模管理要求各金融机构对上级下达的信贷规模均不得突破,但有些金融机构仍然我行我素,超规模、超比例发放固定资产贷款,致使固定资产贷款规模膨胀。 代人受过型。近几年由于国家采取控制经济过热增长的措施,地方政府部门在审批企业项目时,一部分为没有银行贷款计划的自筹项目。但在项目实施 The issue of non-compliance loans for fixed assets is a prominent issue in the current credit management work and a devastating issue for macroeconomic regulation and control. Its performance forms are diverse and varied, with the following manifestations: blatant. Credit scale management requires all financial institutions to make no breakthrough in the credit scale issued by their superiors. However, some financial institutions still use their own methods to supervise and super-scale the issuance of fixed-asset loans, causing the scale of fixed asset loans to expand. Generated by people. In recent years, due to the state measures to control economic overheating growth, local government departments in the approval of enterprise projects, part of the bank loans without a self-financing project. But in the project implementation