当前,我国经济正处在新旧体制交替过程中,部分项目企业因资金、技术、设备、市场等多方面因素,不同程度出现了产品滞销、开工不足、项目失败、效益低下等状况,同时,由于国有专业银行自身的局限性。使固定资产贷款面临的风险正日渐增大,固定资产贷款质量趋于下降,已严重影响了工商银行商业化的进程。最近,我们对江苏省盐城市工商银行固定资产贷款风险状况进行了调查。 一、当前固定资产贷款面临的主要风险 固定资产贷款因其具有投资大、周期长、周转慢、项目情况复杂以及不确定因素多等特点,风险相 At present, the economy of our country is in the process of alternation between the old and the new systems. Some project enterprises, due to various factors such as capital, technology, equipment and market, have seen the situation of unsalable products, underemployment, project failures and inefficiencies in varying degrees. At the same time, The limitations of the state-owned specialized banks. So that the risk of fixed asset loans is increasing, the quality of fixed asset loans tends to decline, has seriously affected the commercial bank’s commercialization process. Recently, we investigated the risk of fixed assets loans of Industrial and Commercial Bank of China in Yancheng, Jiangsu Province. First, the current main risks facing fixed asset loans Fixed asset loans because of its investment, long cycle, slow turnover, the project is complex and uncertainties and other characteristics, the risk phase