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贷款风险是银行信贷资产经营中必然产生的现象。千方百计谋求风险最小和效益最大化,实现信贷资产安全性、流动性和效益性的统一,是银行信贷资产经营管理的客观要求。但就目前信贷资产来说,存在着质量不高、效益低下、周转缓慢,风险贷款占有相当大比例的问题,严重地制约了银行资金使用效益的提高,威胁着银行信贷资金的安全。如何有效地把风险贷款控制在最低程度呢?为此,笔者谈谈看法。一、风险贷款的成因从近几年来信贷资产形成风险贷款的成因调查分析看,形成的原因是多方面的,既有外部原因,又有内部因素;既有客观原因,也有主观因素,归纳起来,不外乎三个方面:企业、银行、政府。(一)在借款企业方面,造成贷款不能偿还的因素主要有:1.企业生产经营无方。2.项目资金有缺口、原材料欠保障,生产不正常。3.市场预
Loan risk is the inevitable phenomenon of bank credit asset management. Do everything possible to seek the least risk and maximize the benefits to achieve the safety of credit assets, liquidity and efficiency of the unity of the bank credit assets management and operation of the objective requirements. However, for the current credit assets, the problems of low quality, low benefit, slow turnover and a large proportion of risky loans occupy a serious part. This has seriously hampered the efficiency of the use of bank funds and threatened the safety of bank credit funds. How to effectively control the risk loans at a minimum? To this end, I talk about the views. First, the causes of risk loans From the formation of credit assets in recent years, the formation of risk loans investigation and analysis of the causes of formation, there are many reasons for the formation, both external and internal factors; both objective and subjective factors, summed up , Nothing more than three aspects: business, bank, government. (A) In the area of borrowing enterprises, the main factors that cause loans to be non-repayable are: 1. There is no party in the production and operation of enterprises. 2. The project funding gaps, raw materials due to protection, production is not normal. 3. Market pre-market