在深化国有企业改革中防范和化解信贷风险──兼谈非国有独资商业银行信贷风险防范与化解

Provent and Overcome Credit Risk in the Reform of State-run Enterpeises

战略性调整和改组、建立现代企业制度、债转股是十五届四中全会确定的国有企业改革与发展方针，本文提出商业银行特别是非国有独资商业银行应对策略：根据国有企业战略调整重新确定投放战略；在企业改制中运用多种形式落实银行债权；非国有独资商业银行在国有企业“债转股”中，采取自主落实、向金融资产管理公司推荐等方法防范与化解风险。

Aiming to provent and overcome credit risks for the nonstate - run commercial banks, this paper puts forward some strategies as setting up new credit policies in view of the adjustments of state-run enterprises; ascertaining creditor’s rights with diversity of molds in the system reform of enterprises; recommending financial assets managing companies to state-run enterprises for their "transforming debts to shares".