论文部分内容阅读
贷款第一责任人制度因为其对防范贷款风险的有效性而被重视,同时,也由于其理论上的欠缺和实践上的不完善而受到非议,可以说,它是一个优点突出,缺点明显的制度。而对商业银行不良贷款率上升的现实,对在实践中证明对防范信贷风险是富有成效的贷款第一责任人制度,应该是在肯定其成效的同时,建立和完善相关的配套制度和措施,从而取得趋其利避其害的效果。一、建立贷款第一责任人制度的依据1、贷款第一责任人制度是解决银行“内部人”现象最有效的办法。当前一些商业银行信贷资产质量下降,
Because of its importance to guard against the effectiveness of loan risks, but also because of its lack of theory and practice of imperfections and being criticized, it can be said that it is a prominent advantages, shortcomings obvious system. However, the reality of the rise in the non-performing loan ratio of commercial banks and the first responsible person that proves that it is effective in preventing credit risks should be to confirm and establish the relevant supporting systems and measures at the same time, Thus gaining the benefits of avoiding its harmful effects. I. The Basis for Establishing the System of the First Person in Charge of Loans 1. The system of the first person in charge of loans is the most effective way to solve the phenomenon of bank “insider”. At present, the quality of credit assets of some commercial banks is declining,