提升农村商业银行信贷资产质量的思考

Thinking of Improving the Quality of Credit Assets of Rural Commercial Banks

在银行体系中,农村商业银行无论从经营管理能力还是从银行实力上来说都是银行体系中的弱势群体,从2013年开始我国商业银行体系不良贷款率与不良贷款余额出现持续"双升"局面,其中,农村商业银行的不良贷款率一直稳居榜首,不良贷款率在不断提高,表明信贷资产质量在不断下降,尤其是我国目前出现的经济新常态,经济下行压力较大,这就预示着商业银行信贷资产质量有进一步下滑的风险,对于农村商业银行而言,这种风险可能会更大。现阶段,农村商业银行必须从抑制信贷资产盲目扩张、规范银行高管职业行为、建立信贷质量追责制度、加强贷后管理等方面加强信贷资产的管理,努力提高信贷资产质量,降低银行的经营风险。

The rural commercial banks are the weak group in the banking system, both in terms of the manage- ment ability and the strength of the bank. Starting from 2013, the non-performing loans and bad loans balance of our country commercial banks both have continued to rise, Among them, the rural commercial bank non-perform- ing loan ratio has been in the top, non-performing loan ratio in constantly growth, its shows that the ever-decrea- sing quality of credit assets. Especially under the economic new normal, with great economic downward pressure, its indicates that the quality of commercial bank credit assets are at risk of further decline, for the rural commercial bank the risk maybe higher. At the present stage, the rural commercial banks must strengthen the management of credit assets from the following aspects, such as inhibiting the blind expansion of credit assets, standardizing the professional behavior of bank executives, establishing the system of credit quality, strengthening the management of credit and so on. Then take efforts to improve the quality of credit assets, to reduce the management risk of the bank.