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随着经济形势的发展,计划经济逐步向市场经济转化,使批发企业的职能逐步淡化,经营萎缩,购销锐减,效益滑坡,直接危及银行贷款的安全。本文就不良贷款的成因及综合治理的措施作以粗浅的分析与探讨。 一、不良贷款现状: 鹤岗市国有商业批发企业14户,占用贷款总额为4629万元,不良贷款为3517万元,占贷款总额的76%。其构成
With the development of the economy, the planned economy has gradually transformed itself into a market economy, gradually diluting the functions of the wholesale enterprises, shrinking their businesses, drastically decreasing their purchasing and sales, deteriorating their efficiency and directly endangering the safety of bank loans. In this paper, the causes of nonperforming loans and comprehensive management measures to make a superficial analysis and discussion. First, the status of non-performing loans: Hegang City, 14 state-owned commercial wholesale enterprises, occupying a total loan of 46.29 million yuan, non-performing loans of 35.17 million yuan, accounting for 76% of total loans. Its composition