摘要
土地储备贷款风险来源于政府信用、政策、法律、银行操作、资金运作5个方面,必须要加强贷前调查评估、合理确定贷款额度,完善贷款担保手续、落实第二还款来源,落实贷款用途监控,落实土地拍卖款,探索多渠道融资,减少对银行贷款的过度依赖,合理分散商业银行的信贷风险。
The risks of land banking loan root in five aspects, such as government credit, policy, law, bank operation and capital action. We must strengthen investigative evaluation of former loan, ensure loan amount, improve loan procedure, establish the second returning source, carry out inspection of loaning purpose, implement the section of land auction, explore more financing channels, and reduce excessive dependence on banking loan, spread credit risks of commercial bank.
出处
《山东工商学院学报》
2009年第1期78-80,86,共4页
Journal of Shandong Technology and Business University
关键词
土地储备制度
土地储备贷款
信贷管理
风险管理
商业银行
land banking system
land banking loan
credit management
risk management
commercial bank
