从政府与银行之间的关系来探讨信贷风险的成因与对策.pdfVIP

从政府与银行之间的关系来探讨信贷风险的成因与对策 开放教育学院 99级 金融学专业（专升本） 顾骁军 摘 要： Currently, the state commercial bank has a large sum of unqualified loan, the mostly factor which produced the phenomena is that the government implement the monopolized management to state bank, the effect is to create a low competitive structure of loan market and hinder the development of the commercializing. The foreign bank achieves the control and management of the loan risk by setting up loan risk control system, strengthening management and supervising the unqualified assets; setting up the credit risk management network system. In addition, the foreign government also controls the loan risk by the law system. In the view of current status of the state commercial bank loan system, we suggest we establish effective commercial banks internal credit management system, change the risk prevention idea and implement the loan approval personal specialized and professional system to lessen the loan risk and prevent the bad quality loan. Qua officially, we consider that the government shall lessen the administrative intervene to state commercial bank loan policy, moreover, institute law of transferring the unqualified assets to reduce the financial risk. The above mentioned methods are only the suggestion for loan risk for state commercial bank. With the state commercial bank going into market and its improvement of the risk system, we believe that the problem of unqualified assets can be solved finally. 引 言 银行的基本功能在于生产和出售公众所需的金融服务，这些服务中最重要的就是提供贷 款。我国银行贷款业务占到资产业务的 70%，利息收入则占到总收入的 80~90%。即使对西方 大多数银行来说，贷款也占到他们总资产的一半以上，贷款收入占整个营业收入的 2／3。 但是贷款也是风险最高的银行资产，贷款质量的优劣，对银行的经营成果、生存发展，有着 至关重要的影响。近年来，我国国有银行的不良贷款大量生成，风险居高不下。尽管国家采 取一系列的举措，如债转股、资产剥离的方法来解决国有银行的不良贷款，降低国有银行的 风险率。但从当前我国大部分银行经营现状来看，贷款质量低，收息率不高等问题仍未得到 根本的解决。下面就几个方面进行分析