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长期以来,我国银行业一直担当着政府的会计和出纳的角色,政企不分、产权不清、职责不明的弊端,严重阻碍了银行业的健康发展,经济上一味追求高速度、高效率的迫切愿望,再加上国家对银行业缺少强有力的监管工具和手段,使得银行业粗放经营,盲目增加资产规模,十几年的积聚,导致了银行业不良资产居高不下,经营环境日趋艰难,如今的银行业,信用风险已成为其生存和发展的最大风险。为了经济建设稳步发展,为了金融
For a long time, the banking industry in our country has always assumed the role of government accountant and cashier. With the unclear property rights and unclear responsibilities, the banking industry in our country has seriously hampered the healthy development of the banking industry. The economic pursuit of high speed and high efficiency The urgent desire, coupled with the lack of strong regulatory tools and instruments in the banking industry, has led to the extensive operation of the banking industry and the blind increase of asset size. The accumulation of more than 10 years has led to the high non-performing assets of the banking industry and the increasingly difficult operating environment Today’s banking, credit risk has become the greatest risk to its survival and development. For the steady development of economic construction, in order to finance