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信贷资产质量是银行的生命线 ,银行的信贷资产质量高低又是受着企业效益和信用的制约 ,企业信用又直接影响着全社会的信用制度 ,本文通过对朔州市四家国有商业银行新增不良贷款的调查研究 ,试图透过国有商业银行不良贷款新增现象 ,揭示出造成社会信用制度与信贷制度恶性循环的政府、企业、银行三方面的原因 ,并提出以下对策 :第一、降低不良贷款 ,必须硬化法律约束 ,强化信用制度 ,大力规范全社会的信用行为。第二、规范政府部门行为 ,完善成本分担机制。第三、健全信贷管理体制 ,建立风险制约机制。
The quality of credit assets is the lifeblood of banks. The quality of credit assets of banks is also controlled by the efficiency of enterprises and credit. Corporate credit has a direct impact on the credit system of the whole society. This paper adds four new state-owned commercial banks in Shuozhou City The research on the non-performing loans (NPLs) attempts to reveal the reasons for the new phenomenon of non-performing loans of the state-owned commercial banks and reveal the reasons for the government, enterprises and banks that cause the vicious cycle of social credit system and credit system and put forward the following countermeasures: First, Loans, we must harden the legal constraints, strengthen the credit system, vigorously regulate the credit behavior of the whole society. Second, standardize the government departments to improve the cost-sharing mechanism. Third, improve the credit management system and establish a risk control mechanism.