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产品质量是企业的生命,银行的生命则是资产质量。由于诸多因素的影响,县级支行的不良资产比例高,防范和化解信贷风险的难度更大。以中行抚宁县支行为例,1996年底不良贷款比例48.8%, 收息率55.4%。1997年以来,他们采取积极有效措施,清收转化不良贷款11户,本息合计2338万元,截止1998年三季度末,不良贷款比例11.1%,较1996年底下降了近38个百分点,收息率提高了近23个百分点。本文拟结合实际,就县级中行信贷资产风险的成因及对策作一分析论述。
Product quality is the life of an enterprise, and the life of a bank is the quality of assets. Due to many factors, county-level branches have a high proportion of non-performing assets and it is more difficult to prevent and resolve credit risks. Take Funing County Branch of BOC as an example. By the end of 1996, the proportion of non-performing loans was 48.8% with a yield of 55.4%. Since 1997, they have adopted proactive and effective measures to clean up 11 non-performing loans, totaling 23.38 million yuan. As of the end of the third quarter of 1998, the non-performing loan ratio was 11.1%, a decrease of nearly 38 percentage points from the end of 1996. The yield Increased by nearly 23 percentage points. Based on the actual situation, this paper analyzes the causes and countermeasures of the risk of credit assets at county level.