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信贷风险防范,是金融理论和实践一直在探索的课题,也是金融实践不可回避而且必须解答的问题。目前,对这一命题,金融界已有共识。但是在实际工作中,存在着在认识上狭隘理解、在工作中被动指导的倾向。笔者认为,有必要引导同行从信贷资金营运的整体要求来理解这一命题。因此,本文拟结合贵州农行的实际,从信贷资金营运策略的角度对这一命题谈点看法,与同行讨论。
The prevention of credit risk is a subject that has been explored by financial theory and practice, but also an issue that can not be avoided and must be answered in financial practice. At present, the financial sector has reached a consensus on this proposition. However, in practical work, there is a tendency of narrow understanding in understanding and passive guidance in the work. The author believes that it is necessary to guide the peer from the overall requirements of the operation of credit funds to understand this proposition. Therefore, this article intends to combine the reality of Guizhou Agricultural Bank, from the perspective of the operation of credit funds strategy point of view on this topic, and colleagues discussed.