对存量贷款非正常转贷的探讨

Investigation on Transferring the Existing Loan into Atypical Loan

近年来,国家为推进国有商业银行的股份制改革,通过政策帮助国有商业银行剥离了大量的不良贷款,但各家国有商业银行还是面临不良贷款绝对额和不良贷款率双上升的压力。在此压力下各行对不能按期足额回收的存量贷款采取积极清收和转贷等手段来压缩不良贷款。其中的转贷有一些是属于非正常情况下进行的转贷,风险较大。本文围绕存量贷款非正常转贷过程中存在的风险和防范措施提出了一些观点和看法。

Recently, to push the reform of the joint stock system in national commercial banks, the government has helped the national commercial banks to shake off a large amount of ill loans with different policies. However, the national commercial banks still face the pressure due to the increase in both the absolute magnitude and the ratio of the ill loan. Under such pressure, various national banks adopt appropriate means to handle the problem of insufficient reclaim from the existing loan by harvesting and transferring the loan positively, so as to reduce the ill loan. Some types of transferring loan will run under the atypical condition with high risk. This paper presents the writers＇ view on the risk in the process of the atypical transferring loan and the ways to keep away from that.