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一、信贷资产保全面临的难点当前信贷资产保全方面存在的难点主要有:1、信贷资产整体状况欠佳。从河南省贷款五级分类情况看,不良贷款(次级、可疑、损失贷款)占比较高,信贷资产保全的压力较大。2、信贷管理方式还不适应防范风险的要求。一是由于贷款投放与粮棉物资入库存在一定时间差,如果疏于管理,投放时就易产生资产风险。二是如果收购后价格走低,信贷资产的完整性便难于保全。三是在库存及销售环节约束手段乏力,企业擅自销售仅有“停贷”这一制裁手段,管理手段比较单一,难以借助法律手段保全资产。3、不合理占用贷款粮棉企业自行消化部分
I. Difficulties in Preservation of Credit Assets The main difficulties in the current preservation of credit assets include: 1. The overall condition of credit assets is not good. According to the five-level classification of loans in Henan Province, the proportion of non-performing loans (secondary loans, suspicious loans and loss loans) is relatively high, and the pressure on the preservation of credit assets is relatively large. 2, credit management does not meet the requirements of risk prevention. First, due to the loans and grain storage materials into existence there is a certain period of time, if neglected to manage, put prone to asset risk. Second, if the price after the acquisition goes down, the integrity of the credit assets will be hard to preserve. Thirdly, the means of restraint in inventory and sales are weak. Enterprises selling without authorization only have the means of “stopping loans”. The means of management is relatively simple and it is difficult to preserve the assets through legal means. 3, unreasonable occupation of grain and cotton loans to self-digestion business