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2008年以来,受金融危机影响,全球经济处于下行周期,受其拖累,我国经济增长放缓,企业经营普遍下滑。在此背景下,银行信贷业务潜在风险有所增加,威胁到银行信贷资产质量,使银行信贷经营面临严峻考验,并相应加大了银行信贷结构调整的难度。为此,本文综合分析当前宏观经济形势,在对A银行信贷客户点面结合进行快速抽样调查的基础上,透析市场环境变化对银行信贷客户的影响,并特别关注了制造行业、外贸类客户的整体运行状态及潜在风险,据此提出应对当前形势的信贷政策和具体措施建议,希望有助于银行防范信贷系统性风险。
Since 2008, under the influence of the financial crisis, the global economy has been in a downward cycle. As a result, its economic growth has slowed down and its business operation has generally declined. Against this background, the potential risks of bank credit business have risen, threatening the quality of bank credit assets, causing the bank credit business to face a severe test and correspondingly increasing the difficulty of bank credit structure adjustment. Therefore, based on a comprehensive analysis of the current macroeconomic situation, this paper analyzes the impact of changes in market environment on bank credit customers based on a quick sample survey conducted by credit customers of Bank A, with particular attention paid to the manufacturing industry and foreign trade customers Overall operational status and potential risks. Accordingly, it proposes credit policies and concrete measures to cope with the current situation, hoping to help banks prevent systemic risks of credit.