摘要
邓小平同志有句著名的话:"金融这盘棋很重要,金融活了,一着棋活,全盘皆活。"在金融体制改革全面推开之时,地处改革开放前沿和区域性金融中心的深圳,这盘棋该怎样来下?工商银行深圳分行一直进行着深深的追逐和思索。建国40多年来,我国国有专业银行一直在计划经济的体制中踱着悠闲的方步。当建立社会主义市场经济体制的直通车激活后,银行在资金运用上的无偿供给、"责、权、利"背离、商业性职能与政策性职能的冲突、"大锅饭"等弊端便频频亮起了红灯。改革的突破口在哪里?
Chinese Bank of Industry and Commerce Shenzhen Branch during the reform takes the reform on credit capi- tal as breaking point and steps the first step towards the comprehensive opera- tion of capital risking management. She changed the traditional method of determining and examining the ap- proval rights limit according to the amount of credit and calculated the risk degree of credit in accordance with the credit grade and credit mode of the loaning enterprises.It is formulated that the Branch has the right to deter- mine if the enterprise does not break through the index of credit scale.By the end of March,1994,her remaining sum of credit amounted to 13 billion yuan.Among the total amount,she in- vested 8.15 billion yuan to the first- grade enterprises in Shenzhen which accounted for 62.7 per cent of the to- tal;and invested 3.29 billion yuan to the second--grade enterprises in Shen- zhen which accounted for 28 per cent of the total.At present,the lowest over- due credit rate is 13.7 per cent,which decreased by a wide margin compared with the same period in 1993.
