贷款风险不应成为银行支持工业发展的障碍——对上饶市工业贷款风险的分析及建议
发布时间：2018-08-28 12:25
【摘要】：如何让金融回归服务实体经济的本源,是2017年中央金融工作会议中习近平总书记提出的重大课题。而工业作为我国实体经济的主体,其面临的现实金融环境不容乐观,商业银行为规避贷款风险而减少对工业领域的信贷投放,似乎已经成为一种合理且难以逆转的趋势。本文以上饶为例,通过比较工业与其他行业贷款风险的状况,剖析风险形成的深层原因,作出了工业贷款风险"总体可控、充分暴露、可以干预、趋于缓释"的四个判断,驳斥了把工业信贷投放与贷款风险直接挂钩的观点和做法,并进而提出了相应的对策和建议。
[Abstract]:How to return finance to serve the source of the real economy is a major issue raised by General Secretary Xi Jinping at the 2017 Central Financial work Conference. As the main body of our country's real economy, the real financial environment faced by industry is not optimistic. It seems that commercial banks have become a reasonable and irreversible trend to reduce the credit investment in the industrial field in order to avoid the loan risk. Taking Shangrao as an example, by comparing the situation of loan risk between industry and other industries, and analyzing the deep reasons for the formation of the risk, this paper makes four judgments that the risk of industrial loan is "generally controllable, fully exposed, can be interfered with and tends to be released slowly". This paper refutes the idea and practice of directly linking the industrial credit investment with the loan risk, and puts forward the corresponding countermeasures and suggestions.
【作者单位】： 中国人民银行上饶市中心支行;
【分类号】：F427;F832.4
[Abstract]:How to return finance to serve the source of the real economy is a major issue raised by General Secretary Xi Jinping at the 2017 Central Financial work Conference. As the main body of our country's real economy, the real financial environment faced by industry is not optimistic. It seems that commercial banks have become a reasonable and irreversible trend to reduce the credit investment in the industrial field in order to avoid the loan risk. Taking Shangrao as an example, by comparing the situation of loan risk between industry and other industries, and analyzing the deep reasons for the formation of the risk, this paper makes four judgments that the risk of industrial loan is "generally controllable, fully exposed, can be interfered with and tends to be released slowly". This paper refutes the idea and practice of directly linking the industrial credit investment with the loan risk, and puts forward the corresponding countermeasures and suggestions.
【作者单位】： 中国人民银行上饶市中心支行;
【分类号】：F427;F832.4
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