论信贷风险——成因、对策

ON THE RISK OF CREDIT——CAUSE AND COUTERMEASURES

目前我国银行贷款中,风险贷款大量形成,几十亿贷款转不动、盘不活,已成为困扰我国银行界的重大问题。从它形成的根源上看,它形成的原因既有政策失误,又有信贷管理的误区。信贷风险的大量形成,不仅严重地影响了银行的效益,而且也使整个社会资金紧张、经济活动僵化。因此,强化风险监督、加重贷款约束已是刻不容缓、亟待解决的问题。

This dissertation discusses the risk of Chinese bank loan which is mushrooming and troubling our bank field. The courses can be retraced to the misleading of polcy and ill—management of the credit. The risking credit has not only affected the benefit of the bank but also made the funds of the society tight and the economic activities rigid. Furthermore, strengthening the risk control and restraint of loan is a problem which must be dealt with urgently.