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信贷风险特征 不良贷款结构中呆滞贷款占比大以建设银行为例,2001年不良贷款中,逾期贷款占不良贷款的10.3％;呆滞贷款(逾期6个月以上)占不良贷款约83.8％;呆账贷款占不良贷款5.9％,“双呆”合计占不良贷款89.7％,比2000年增长11.1个百分点。从贷款逾期的帐龄分析,逾期2年以上的呆滞贷款占全部呆滞贷款的54％,这里面的绝大部分都有可能是难以回收而最终会形成损失的贷款,预计全部呆滞贷款的损失率在60％左右。
Credit risk characteristics Large proportion of non-performing loans in the structure of non-performing loans China Construction Bank, for example, overdue loans in 2001 accounted for 10.3% of non-performing loans; dull loans (overdue 6 months) accounted for about 83.8% of non-performing loans; Loans accounted for 5.9% of non-performing loans and “double-headed loans” together accounted for 89.7% of non-performing loans, an increase of 11.1 percentage points over 2000. From the overdue loan age analysis, overdue loans with more than two years of overdue loans account for 54% of all the dismal loans. Most of these loans are likely to be difficult to be recovered and will eventually result in losses. The estimated loss rate of all the dismal loans Around 60%.