谈商业银行新增贷款风险防范的几点措施

Some Measures to Guard against the Risk of New Increasing Loan of Commnrcial Bank

长期以来,由于历史、政策、银行自身管理等原因,国有商业银行事实都存在着大量的不良贷款资产。现在虽然按照国务院的统一部署对银行原有不良贷款进行了“剥离”,大幅度地降低了商业银行不良资产的占比,但对目前国有商业银行每年近万亿元的新增贷款的风险防范仍是一个不容忽视的问题。

Owning to the various reasons of history, policy and bank management, state-owned commercial banks exist a large amount of non-performing loan assets. According to the unified deployment of the State Council, the banks have stripped off the non-performing loan, which greatly decreases its ratio, but billions of the present new increasing loan still exist a new risk.