论文部分内容阅读
目前,随着邮储银行信贷业务规模的快速扩张,信贷产品不断推陈出新,各类风险隐患也随之加大。从全行的整体情况来看,虽然合理的产品结构和利差空间使信贷业务处于较为安全的水平,但个别分(支)行由于对集中度风险的认识和控制不够,导致贷款不良率指标骤升,从而影响了业务发展。可见,深入理解和防范信贷集中度风险,调控并解决好定向规模和渠道流向等关键问题,将资金风险控制在安全的范围之内,是促进信贷业务健康持续发展的关键。
At present, with the rapid expansion of the scale of the credit business of the Postal Savings Bank, the credit products have been continuously introduced and new types of risks have risen. From the perspective of the overall situation of the whole bank, although the credit business is at a relatively safe level with reasonable product mix and spread margin, individual sub-branches have not enough understanding and control over the concentration risk, leading to the non-performing loan ratio Soaring, thus affecting the business development. Therefore, to understand and guard against the risk of credit concentration, to control and solve the key issues such as the size of orientation and channel flow, and to control the risk of funds within the scope of security, is the key to promoting the healthy and sustainable development of credit business.