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金融体制改革的目标是专业银行向商业银行过渡,银行制度与国际通行的惯例接轨,以“自主经营、自负盈亏、自我约束、自求平衡、自我发展、自担风险”为重点,面向市场,实现规范化商业银行管理。但由于目前企业陈旧的贷款余额相当大,银行面临着巨额潜在风险贷款的威胁,难以轻装上阵,与国际惯例接轨,经营机制也难以转变。如何消除银行潜在的风险贷款,已成为银行转换经营机制过程中亟待解决的问题。
The target of the financial system reform is the transition from a specialized bank to a commercial bank. The banking system is in line with the international practice, focusing on “self-management, self-financing, self-restraint, self-seeking, self-development and risk exposure” To achieve standardized commercial bank management. However, due to the current large amount of obsolescent loans, banks are faced with the threat of huge potential risk loans, which are hard to put their light on. In accordance with international practice, banks are not able to change their operating mechanism. How to eliminate the potential risk loans of banks has become a problem to be solved urgently in the process of banks switching their management mechanism.