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银行与企业之间本来是鱼水关系,银行的效益及资金收益来源于企业,而企业的生产经营活动又离不开银行的扶持。但是,目前银行与企业之间的关系不够密切,企业多头开户,逃避银行检查,银行对企业放款慎之又慎,尽量压缩贷款规模,形成银行资金投向不准,效益差,企业无经营资金,运转困难的恶性循环境地,导致银行信贷资产质量差,造成“一逾两呆”资金比重大的局面。一、银行信贷资产质量现状:1995年,我们对我县两家金融机构的信贷资产质量情况进行了审计调查,发现银行信贷资产质量不
The relationship between the bank and the enterprise was originally fish and water. The benefits of the bank and the financial returns came from the enterprises, and the production and operation activities of the enterprises were inseparable from the support from the banks. However, at present, the relationship between banks and enterprises is not close enough. Many enterprises open their own accounts and evade bank checks. Banks are cautious about lending money to enterprises. As far as possible, the scale of loans is reduced. As a result, banks are not allowed to invest funds. Difficult vicious circle of circumstances, resulting in poor quality of bank credit assets, resulting in “more than one stay ” a large proportion of funds situation. First, the quality of bank credit assets Status: In 1995, we conducted an audit survey of the quality of credit assets of two financial institutions in our county and found that the quality of bank credit assets