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近几年来,企业拖欠银行利息问题日益严重,贷款收息率逐年下降,应收未收息成倍增加,银行经营亏损加剧。据对苏北某市调查统计,该市与农行有贷款业务关系的且欠息在50万元以上的企业有313个,贷款余额17.8亿元,占贷款总额的60%,共积欠利息4.2亿元。该市农行1997年各项贷款收息率为7.33%,1998年降至4.35%,而1999年仅有3.11%,当年各项贷款综合利息收回率仅有46.71%,其中一个县级支行仅有23%;该行三年中分别新增应收未收息3480万元、7370万元和11347万元,至1999年末应收未收息余额高达6亿元,帐面亏损挂帐2.2亿元。企业欠息已成为困扰银行业的一个大难题,直接危及到银行业生存与发展。
In recent years, the problem of bank defaults has become increasingly serious. The loan interest rate has been declining year by year. The uncollected interest receivable has doubled and the operating loss of banks has been aggravated. According to a survey in a certain city in northern Jiangsu, there are 313 enterprises that have loan business in the city and Agricultural Bank of China and owe interest of more than 500,000 yuan, with a loan balance of 1.78 billion yuan, accounting for 60% of the total loan amount and a total interest of 420 million yuan yuan. The city's agricultural bank in 1997 the loan interest rate was 7.33% in 1998 dropped to 4.35%, while in 1999 only 3.11%, then the loan recovery rate of comprehensive interest rates was only 46.71%, one of the county-level branch only 23%. In the three years, the bank newly added non-interest receivables of 34.8 million yuan, 73.7 million yuan and 113.47 million yuan respectively. As of the end of 1999, the balance of non-interest income receivables was as high as 600 million yuan and the book loss was 0.22 billion yuan . As a result, the debt owed by enterprises has become a big problem plaguing the banking industry, which directly threatens the survival and development of the banking industry.