论文部分内容阅读
国家专业银行向商业银行转轨是一项复杂的系统工程,银行信贷资金质量下降,导致非正常贷款居高不下是当前实施这一工程亟待研究解决的重要课题。笔者就县级工、农、建、中四家专业银行的非正常贷款的成因及对策谈点一管之见。现状概述1、信贷资产质量现状。截止一九九三年底全县专业银行各项贷款余额为79333万元,非正常贷款占用35465万元,占44.7%。非正常贷款绝对额比同期增4000万元,增12.6个百分点。可见,信贷资产质量每况愈下,信贷
The transition from a national specialized bank to a commercial bank is a complicated systematic project. The decline in the quality of bank credit funds leads to an unusually high level of loans. This is an important issue to be urgently studied and solved in the current implementation of this project. The author of the county-level work, agriculture, construction, in the four non-normal bank loans of the causes and countermeasures point of view. Overview of the status quo 1, the quality of credit assets status quo. By the end of 1993, the loans of various specialized banks in the county totaled 793.33 million yuan while the non-normal loans took 354.65 million yuan, accounting for 44.7%. The absolute amount of non-normal loans increased by 40 million yuan over the same period, up 12.6 percentage points. Can be seen that the quality of credit assets deteriorating, credit