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随着国家银行商业化的推进以及国有企业转换经营机制的逐步展开,信贷风险已成为不可回避的客观事实。根据资料统计,1996年底,全国逾期、呆滞贷款占贷款总额的20％以上;银行信贷资产中能够周转使用的资金已不到全部信贷资产的30％。特别是一些企业对银行贷款“敢借敢用敢不还”的现象普遍存在,使不良信贷资产的比重还在逐年上升。因此,客观分析信贷风险形成的原因,研究规避信贷风险的方法,对于促进国家银行商业化运作机制的规范和完善,具有重要的现实意义。
With the commercialization of National Bank and the gradual expansion of state-owned enterprises’ conversion operation mechanism, credit risk has become an unavoidable objective fact. According to statistics, by the end of 1996, overdue and sluggish loans nationwide accounted for more than 20% of the total loans; the amount of liquidity in bank credit assets that have been used for working capital has reached 30% of the total credit assets. In particular, some enterprises are ubiquitous with bank loans that “dare to dare to dare to use but dare not to return”, so that the proportion of bad credit assets is still rising year by year. Therefore, objectively analyzing the reasons for the formation of credit risk and studying ways to evade credit risk are of great practical significance for promoting the standardization and perfection of commercial banks’ operation mechanism.