论文部分内容阅读
无论是从宏观还是从微观角度看,我国金融信贷资产质量低下已成为危及金融业正常运行的突出问题,也是银行商业化的主要障碍。以湖南省娄底地区为例。1995年3月末,金融机构各项贷款余额567361万元,比1993年末增加150044万元,增幅35.98%,不良债权总额185208万元,占贷款总量的32.64%,比1993年末增加60761万元,增幅48.48%,比贷款高12.87个百分点,其中呆滞、呆帐贷款80884万元,占不良债权的43.6%,比1993年末
In both macro and micro perspectives, the low quality of China’s financial credit assets has become a prominent issue that endangers the normal operation of the financial industry and a major obstacle to the commercialization of banks. Take Loudi Area in Hunan as an Example. At the end of March 1995, the balance of various loans of financial institutions reached 5,673.61 million yuan, an increase of 150.444 million yuan or 35.98% over the end of 1993. The total amount of non-performing loans was 1.85208 billion yuan, accounting for 32.64% of the total loans, an increase of 607.61 million yuan over the end of 1993, An increase of 48.48%, higher than the loan 12.87 percentage points, of which sluggish, bad loans 808,804,000 yuan, accounting for 43.6% of non-performing loans, compared with the end of 1993