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商业银行贷款增长得过快,会对社会和经济的发展带来一系列的不利因素。本文从银行对银行贷款增长过快危害的认识不足、往年的习惯性贷款、城市基础建设和房地产的疯狂发展三个方面分析了商业银行贷款过快的原因。并在此基础上提出了相应的对策:银行应加大风险意识和风险的控制;加强监督部门对银行资本充足率的监管;银行应加强和完善内部的考核机制和商业银行应开发非利差收入等。
The rapid growth of commercial bank loans will bring a series of unfavorable factors to the social and economic development. This paper analyzes the reason why commercial banks are over-lending from three aspects: the lack of recognition of bank loans to the excessive growth of bank loans, the habitual loans in past years, the urban infrastructure and the crazy development of real estate. On this basis, the corresponding countermeasures are put forward: the bank should increase the risk awareness and risk control; supervise the supervising department to supervise the bank’s capital adequacy ratio; the bank should strengthen and perfect the internal appraisal mechanism and the commercial bank should develop non-profit Income and so on.