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随着国家专业银行向国有商业银行的转化,压缩愈期贷款,提高信贷资产质量已成为商业银行亟待解决的问题。一、愈期贷款形成的原因分析根据对某行愈期贷款情况调查分析,主要存在以下几 个方面: (一)国 家体制政策 因素 1、国家 经济体制改 革不到位,政策不稳定,经济运行忽冷忽热,投资决策随意性,造成大量信贷资金被占用。
With the transformation of national specialized banks into state-owned commercial banks, it has become an urgent issue for commercial banks to reduce the overdue loans and improve the quality of credit assets. First, the analysis of the reasons for the formation of more mature loans According to the investigation and analysis of a bank’s loan-to-maturity situation, there are mainly the following aspects: (1) Factors of national institutional policies 1. The reform of the national economic system is not in place; the policies are unstable; Cold and hot, arbitrary investment decisions, resulting in a large amount of credit funds are occupied.