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造成逾期贷款的原因很多:国家宏观调控政策的变化,社会就业制度和失业保险体系的不健全,近几年市场竞争的加剧,银行结算制度的不统一以及计划经济体制下形成的债务依赖感等等。据报载,全国金融系统中,有近三分之一信贷资金呆滞,三分之一逾期,只有三分之一运转正常。由此可见,逾期贷款的大量存在已成为金融体制改革和建立现代企业制度无法回避的现实。本文拟从法律角度谈谈减少逾期贷款的一些对策。一、确立信贷管理责任
There are many reasons for overdue loans: the changes in the state macro-control policies, the social employment system and unemployment insurance system are not perfect, the market competition in recent years is aggravating, the bank settlement system is not unified, and the debt-dependence of the planned economy is formed Wait. According to reports, nearly one-third of the nation’s financial system has sluggish credit facilities, one-third overdue and only one-third are operating normally. From this we can see that the large number of overdue loans has become an unavoidable reality of the financial system reform and the establishment of a modern enterprise system. This article intends to talk about some legal measures to reduce overdue loans. First, establish credit management responsibilities