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近期,笔者对沧州辖区工、农、中、建四家国有商业银行的18个支行不良贷款增加情况进行了调查。一、不良贷款增加的原因(一)不良贷款认定政策标准的变化,促使不良贷款如实释放。以往由于应付考核、受上级行不良贷款下达指标限制或保全信贷资产需要等原因影响,加之多年来一直缺乏不良贷款权威的、统一的、明确的认定标准,造成倒约换据、办理收回再贷手续带有很大随意性,使本来已经是不良的甚至多年就是不良的贷款虚为正常贷款。但随着2000年人民银行先后两次开展的贷款质量真实性检查,以及人总行《不良贷款认定暂行办法》的出台,2000年下半年以来办理倒约换据、收回再贷手续逐步审慎、趋于规范,将一些陆续到期的所谓“正常贷款”转为不良贷款。如
Recently, I investigated the increase of non-performing loans of 18 branches of four state-owned commercial banks in Cangzhou, including those of the state-owned commercial banks. First, the reasons for the increase in non-performing loans (a) non-performing loans identified changes in policy standards, prompting a real release of non-performing loans. In the past due to the assessment, by the superior line of non-performing loans issued by the target limit or the need to preserve credit assets and other reasons, coupled with the lack of non-performing loans for many years the authority of the authority, a unified, clearly identified criteria, resulting in inverted contract, Procedures with a lot of randomness, so that has been already bad or even years of bad loans are virtual loans as a normal. However, with the authenticity check of loan quality twice successively carried out by the People’s Bank of China in 2000 and the introduction of Interim Measures for the Recognition of Non-performing Loans by the People’s Bank of China, the system of reciprocal contractual transfer and withdrawal of borrowings has been gradually prudently implemented since the second half of 2000 In the norm, some of the so-called “normal loans” matured one after another turned into non-performing loans. Such as