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随着社会主义市场经济体制的建立和完善,国有专业银行将逐渐转变为商业银行,实行自主经营、自担风险、自负盈亏,使“风险”这一市场经济的伴生物由暗变明,由弱变强,并作用于商业银行资金运行的每一个环节。与此同时,企业制度的改革也在不断深化,但由于企业制度改革是一项政策性强、涉及面广、难度较大的系统工程,社会各方面的配套改革又参差不齐,给商业银行的信贷资产带来了一系列问题和影响,“风险”问题日益突出,如何降低贷款风险也就成为防范金融风险,保障信贷资产安全很重要的一个方面。
With the establishment and perfection of the socialist market economic system, the state-owned specialized banks will gradually be transformed into commercial banks, operating independently, taking risks at their own risk, and making the companion to the market economy of “risk” change from dark to light , From weak to strong, and the role of commercial bank operations in every aspect of the funds. At the same time, the reform of the enterprise system is also deepening. However, as the reform of the enterprise system is a systematic project involving a wide range of policies and involving a wide range of issues and difficult ones, the supporting reforms in all aspects of the society are uneven. Commercial banks Has brought a series of problems and influences on its credit assets. As the issue of “risk” becomes increasingly prominent, how to reduce the risk of lending becomes an important aspect of preventing financial risks and ensuring the safety of credit assets.