强化实体经济信贷风险防控

发布时间：2018-01-04 00:04

本文关键词：强化实体经济信贷风险防控　出处：《农业发展与金融》2015年12期 　论文类型：期刊论文

【摘要】：正随着我国经济进入新常态,实体经济将经历一个较长时期的去产能、去库存、去杠杆的过程,其长期积累的风险压力将越来越多地向银行传导,导致信贷资产质量持续下降。作为支持涉农企业的农业政策性银行受影响更加明显,加强实体经济信贷风险防控尤其重要。农发行支持的信贷客户主要有两类:一类是涉农实体经济企业,另一类是地方政府融资平台公司或相关的事业单位。随着我国经济进入新常态,部分民营信贷客户受经济下行、社会融资等因素影响,基层农发行信贷支持的农业实体经济信贷风险频发,不良率持续上升。笔者结合农发行湖南省湘潭市
[Abstract]:As China's economy is entering a new normal, the real economy will experience a longer period of time to capacity, to the inventory, the process of deleveraging, the long-term accumulation of risk will be more and more pressure to the bank transfer, lead to a sustained decline in the quality of credit assets. As the agricultural policy bank to support agriculture related enterprises affected by the more obvious especially important to strengthen the risk control of credit to the real economy. The agricultural development bank to support credit customers mainly have two kinds: one is the real economy of agriculture related enterprises, the other is the local government financing platform for the company or related institutions. As China's economy has entered a new norm, some private credit customers affected by the economic downturn, effects of factors such as social financing the issue of credit support, grassroots agricultural agricultural credit to the real economy risk prone, non-performing rate continued to rise. The author of the Hunan city of Xiangtan Province Agricultural Development Bank

【作者单位】：农发行湖南省湘潭市分行;
【分类号】：F832.4
【正文快照】： 随着我国经济进入新常态,实体经济将经历一个较长时期的去产能、去库存、去杠杆的过程,其长期积累的风险压力将越来越多地向银行传导,导致信贷资产质量持续下降。作为支持涉农企业的农业政策性银行受影响更加明显,加强实体经济信贷风险防控尤其重要。农发行支持的信贷客户主

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