论文部分内容阅读
一、建立限制、压缩贷款系统 目前,银行体制处于转轨过程之中,金融监管制度改革相对滞后,商业银行自律机制也尚待完善。在近几年金融迅速发展的背景下。各金融机构为拓展业务,扩大市场份额,纷纷开展存贷款业务,存贷款规模迅速增长,但同时也埋下了不良债权形成及恶化的祸根。针对这种情况,建立限制、压缩贷款系统,大体而言,就是在对企业严格划分等级的基础上。分别采取不同的措施,对限制类企业不再注入新的资金,迫使企业挖潜或进行有效改革,使其重新获得生机。
First, the establishment of restrictions and reduce the loan system At present, the banking system is in the process of transition, the reform of the financial regulatory system is lagging behind, self-regulatory mechanisms of commercial banks have yet to be improved. In the context of rapid financial development in recent years. In order to expand their business and expand their market share, all financial institutions started to carry out deposit and loan businesses in a row, and the scale of deposits and loans grew rapidly. At the same time, they also laid the foundation for the formation and worsening of bad debts. In view of this situation, the establishment of restrictions, the compression of the loan system, in general, is based on the strict classification of enterprises. Take different measures respectively, no longer inject new capital into restricted enterprises, force enterprises to tap the potential or carry out effective reforms so as to regain their vitality.