商业银行贷款增长过快的原因和对策分析  

作　　者：刘建伟[1] 

机构地区：[1]河南商业高等专科学校,河南郑州450045

出　　处：《特区经济》2011年第2期98-99,共2页Special Zone Economy

摘　　要：商业银行贷款增长得过快,会对社会和经济的发展带来一系列的不利因素。本文从银行对银行贷款增长过快危害的认识不足、往年的习惯性贷款、城市基础建设和房地产的疯狂发展三个方面分析了商业银行贷款过快的原因。并在此基础上提出了相应的对策:银行应加大风险意识和风险的控制;加强监督部门对银行资本充足率的监管;银行应加强和完善内部的考核机制和商业银行应开发非利差收入等。The rapid growth of commercial bank loans,social and economic development will bring about a series of unfavorable factors.This growth in bank loans from banks against excessive lack of knowledge,the habit of loans in previous years,urban infrastructure and real estate development of three aspects of the madness of commercial bank loans because of excessive.And puts forward corresponding countermeasures： banks should increase the risk awareness and risk control;strengthen the supervision department of the bank capital adequacy regulation;banks should strengthen and improve the internal assessment mechanism and the commercial banks should develop non-spread income.

关 键 词：商业银行 贷款增长 对策 

分 类 号：F832.4[经济管理—金融学]