对虚拟虚假经济现象催生不良贷款的研究——以农业发展银行信贷情况为例

PREVENTION OF VIRTUAL AND FALSE ECONOMIC PHENOMEN ON INDUCING NON-PERFORMING LOAN Taking the Management of Credit Risk in Agricultural Development Bank as an Example

虚拟虚假经济现象催生不良贷款的隐蔽性、欺骗性、危害性很大,但还没有引起广大金融工作者警觉。信贷企业主要是通过虚拟价值体获得贷款必要条件,主要虚拟、虚假抵押物品价值、商品价值、贷款衍生物品价值等诱获贷款。不良贷款内部质量结构不同,风险程度也就不同。不良贷款最终形成和最终造成损失的程度,不是简单地由不良贷款"量"决定的,而主要取决于不良贷款的"质"以及债务者对待债务的"动机"。要高度重视道德风险防范。对不良贷款采用新型的"五级风险量度""五级风险警界区"方法区别跟踪监管。

The phenomenon of virtual and false economy inducing non-performing loans has the characteristics of concealment, deception and great danger. It has not attracted the attention of most financial workers. Credit business obtains loans mainly through the virtual value holders and induces loans by virtual, false mortgage of goods value, commodity value, credit derivative goods value. Different internal quality structures of bad loans may have different degrees of risk. The eventual formation of bad loans and loss is not simply decided by the ＂quantity＂ of non-performing loan, but mainly by the ＂quality＂ of the bad loans and the debtors＇ ＂motivation＂ towards debt. The moral risk prevention should be attached great importance to. The non-performing loans can be monitored by the new ＂five-class risk measure＂ and ＂five-class risk warning zone＂.