关于贷款风险控制几个问题的认识  

Understand the Risk Controlling on Loans

作　　者：蔡则祥[1] 高桂珍[1] 

机构地区：[1]南京金融高等专科学校,南京211815

出　　处：《山西财经大学学报》2002年第4期70-72,共3页Journal of Shanxi University of Finance and Economics

摘　　要：在传统的计划经济体制下 ,我国信贷管理体制无论是统存统贷、差额包干 ,还是实贷实存 ,重点均是贷款计划指标和规模的管理控制 ,结果是信贷资源配置效率低下。实行资产负债比例管理和贷款风险管理 ,是我国信贷管理体制的重大变革 ,对加强贷款风险管理、提高信贷资产质量具有十分重要的意义。当前 ,要采取切实有效的措施 ,全面推行贷款风险分类管理办法。Under traditional planned economy, the focus of our credit management system is, whether under integrated management of deposits and loans with the difference being provided by the central or extending loans according the actual deposits, in fact the management control based on the planned dimension or indexes, which led to low efficiency in credit allocation. The adoption of asset-liability proportional management and risk management of loans is a great progress in the credit management system of the country. It is of great significance for the reinforcement of risk management and upgrading the assets quality. For the present, it is urgent to take every effective step to push classified risk management of the loan assets.

关 键 词：信贷管理体制 贷款风险分类 贷款风险控制 中国 

分 类 号：F832.4[经济管理—金融学]