信贷质量低下的原因李英，郭进良，崔鸿勋金融企业信贷资产质量低下的主要表现，是贷款逾期率高，“双呆”（呆滞、呆帐）贷款比例大。据对几家金融企业的审计调查，主要原因有以下几点：一、外部客观原因１．企业固定资产投资由于超概算、物价上涨、设计漏项、变更等原因... Reasons for low credit quality Li Ying, Guo Jinliang, Cui Hongxun The main performance of low quality of credit assets of financial enterprises is that the loan overdue rate is high, and the ratio of “dull” loans (dull and bad loans) is large. According to several financial enterprises audit survey, the main reasons are the following: First, the external objective reasons 1. Investment in fixed assets due to over budget, price increases, design leaks, changes and other reasons ...