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如何在降低不良贷款率的基础上兼顾效益,是摆在国有商业银行面前亟待解决的问题,中国工商银行浙江分行经过几年的实践,积累了一些经验。 去年,这家分行实现账面利润15.29亿元,同比增长21.93％。全省10家分行、117家支行全部实现盈利。到今年4月,全行不良贷款率已降至3.4％。据分析预测,到2004年,浙江工行的不良贷款率可望控制在1％以内。
How to balance the benefits on the basis of reducing the non-performing loan ratio is a problem to be solved before the state-owned commercial banks. After several years of practice, the Industrial and Commercial Bank of China branch in Zhejiang has accumulated some experience. Last year, the branch achieved a book profit of 1.529 billion yuan, an increase of 21.93% over the same period of last year. The province’s 10 branches and 117 branches all make profits. As of April this year, the NPL ratio of the Bank has dropped to 3.4%. According to the analysis and forecasting, by 2004, the non-performing loan ratio of Zhejiang ICBC is expected to be controlled within 1%.