延边国有商业银行不良贷款成因和化解不良贷款的途径

Contributing Factors of Non Performing Loan of Yanbian National Commercial Banks and the Ways of Eliminating Non-Performing Loan

目前 ,延边国有商业银行普遍存在着信贷资产质量低的问题 ,这给国有商业银行的生存和发展造成了严重威胁。为此 ,延边国有商业银行应切实把消除不良贷款的责任承担起来 ,维护国有商业银行的独立法人地位 ,加快不良资产盘活处置速度 ,严格贷款发放与管理制度 ,大力加强借款企业的外控力度 ,选择正确贷款品种 ,加强信贷人员队伍建设 ,并不断创新贷款品种 ,以化解、消除国有商业银行的不良贷款 ,从而使延边国有商业银行卸掉身上的包袱 ,以崭新的姿态面对来自国内外金融机构的竞争。

At present, low quality of credit assets exists universally in Yanbian national commercial banks, which has caused serious threat to existence and development of national commercial banks.To eliminate non performing loan of national commercial banks, the leaders of concerned should bear responsibility conscientiously for eliminating non performing loan, defend independent legal person status of national commercial banks, speed up disposing of non performing loan, implement grant and management of loan strictly, strengthen control of borrowing ventures energetically, select right lending methods, strengthen credit personnel training and bring forth new ideas in variety of loan constantly. Thus, Yanbian national commercial banks can get rid of their burden and face financial competition from home and abroad with a completely new attitude.