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1.加大对恶意逃废银行债务企业和个人的追讨力度,进一步改善资产质量。金融部门要密切同各职能部门的联系,积极参与贷款企业的改制及破产清算,防止贷款户逃废债务。地方政府要大力支持金融部门对债务的追讨工作,重塑社会信用意识,杜绝企业不重视自身信用或信用意识淡薄,在使用银行贷款过程中重获取、轻偿还的不良现象。 2.强化商业银行内部监督管理和控制,实现规范稳健经营。商业银行要完善内部控制建设,把风险控制机制与利润鼓励机制有机统一起来,在强调信贷责任制的同时,要建立有效的激励机制,充分调动基层信贷人员的积极性。国有商业银行要尽快完善
1. Increase the recovery of malicious evasion bank debt enterprises and individuals to further improve the quality of assets. The financial sector should keep in close touch with various functional departments and actively participate in the restructuring of the loan enterprises and bankruptcy and liquidation so as to prevent the borrowers from escaping their debts. Local governments should strongly support the recovery of debt by the financial sector, reshape the social credit awareness, and prevent enterprises from neglecting their own credit or weak credit awareness, and re-obtaining and reimbursing bad loans in the process of using bank loans. 2. Strengthen the internal supervision, management and control of commercial banks and achieve standardized and sound operation. Commercial banks should improve the internal control construction and organically integrate the risk control mechanism with the profit encouragement mechanism. While emphasizing the credit responsibility system, commercial banks should establish effective incentive mechanisms and fully mobilize the enthusiasm of grassroots credit officers. State-owned commercial banks should be perfected as soon as possible