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银行如何参与企业改制,实现在资产重组过程中落实债权债务,活化信贷资产,已是摆在国内商业银行尤其是基层行面前的重要课题。地处贫困山区的建行安康地区中心支行。面对企业不景气带来“双呆”贷款增加,危及本行经营效益的困难局面,在实施信贷“复活工程”中,主动出击,积极选择具备改制优势条件的企业兼并困难企业优化信贷资产,成功地促成了岚皋县水泥厂兼并该县停产三年的精密铸造厂。使近150万元呆滞贷款得到“复活”,同时为该地区企业产权的流动和重组提供了一个良好的范例。
How banks participate in corporate restructuring, the realization of debts and debts in the process of asset restructuring, and the activation of credit assets have become an important issue for domestic commercial banks, especially grassroots banks. Located in the poverty-stricken mountainous areas of CCB Ankang central branch. In the face of the dilemma that the company has caused “double-dead” loans to increase and endanger the operational efficiency of the Bank, in the implementation of the “resurrection project” for credit, it took the initiative to actively select enterprises with difficult restructuring conditions to optimize credit assets. Succeeded in the promotion of the Qianxian Cement Factory to merge the three-year-precise precision foundry in the county. The “resurrection” of the sluggish loans of nearly 1.5 million yuan was provided, and at the same time it provided a good example for the flow and restructuring of enterprise property rights in the region.