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十五大为我国个体私营经济的发展提供了理论依据,随着改革的不断深入,个体私营经济将进入一个较快发展的新时期。然而,个体私营业主群体结构复杂,上到高级知识分子,下到知识层次较低的平民百姓,且经营上涉及社会经济生活的方方面面。为促进个体私营经济健康的发展,增强银行防范和化解信贷经营风险的能力,在信贷支持个体私营经济发展时,要做好以下几个方面的导向工作。一、法律法规导向健全的法制是经济持续、快速、健康发展的有力保障。个体私营经济因其行业的特殊性质决定个体私营业主群体在法制意识及观念上层次差别较大,各自对法制约束的认识程度及意识有所不同。近年来,各金融机构特别是国有商业银行对信贷资产运行质量引起高度重视并提出较高要求,如何将《中国人民银行法》、《商业银行法》、《票据法》、《担保法》、《贷款通则》以及有利于商业银行经营管理的各项法规制度贯输到个体私营经济
The 15th Congress provides the theoretical basis for the development of China’s private economy. As the reform progresses, the private economy will enter a new period of rapid development. However, the structure of individual and private owners is complex, reaching high-level intellectuals and down to ordinary people with a low level of knowledge, and they operate in all aspects of social and economic life. In order to promote the healthy development of individual and private economy and enhance the bank’s ability to prevent and mitigate the risks of credit operation, we should do a good job in the following aspects when credit supports the development of individual and private economy. I. A Legal System Guided by a Sound Legal System is a Strong Guarantee for the Sustainable, Rapid and Healthy Development of the Economy. Because of the special nature of the individual and private sectors, the individual and private sectors of the economy decide that the individual and private groups of owners differ greatly in their awareness of the legal system and on the conceptual level, and each has a different degree of awareness and awareness of the restriction of legal systems. In recent years, all financial institutions, especially state-owned commercial banks, attach great importance to and put forward higher requirements on the operation quality of credit assets. How can the “People’s Bank of China Law”, “Commercial Bank Law”, “Notes Law”, “Guarantee Law” “General Loans” and the laws and regulations conducive to the operation and management of commercial banks through to the private economy