农村商业银行贷款业务现状分析及解决措施  

Analysis of Current Situation of Loan Business of Rural Commercial Banks and Solutions

作　　者：吕建美 LV Jian-mei(Qingdao Binhai University,Qingdao 266555,China)

机构地区：[1]青岛滨海学院,山东青岛266555

出　　处：《中小企业管理与科技》2021年第30期88-90,共3页Management & Technology of SME

基　　金：青岛滨海学院校级科研项目《我国商业银行信贷现状分析及问题研究》(项目编号:2020RY13)阶段成果。

摘　　要：国家提出的金融机构要服务实体经济、防控金融风险、深化金融改革的任务要求,推动着金融机构根据自身的情况,深化改革,确定今后的发展战略。农村商业银行作为金融市场中重要的支撑力量,在金融体制中占据着重要的地位。伴随利率市场化进程的不断加快,农村商业银行应制定相应的措施来应对市场环境的变化。论文以农村商业银行的贷款业务为研究对象,对农村商业银行的贷款业务现状进行分析,并指出其存在的问题,进一步分析问题产生的原因,提出相对应的措施。The tasks and requirements put forward by the state for financial institutions to serve the real economy,prevent and control financial risks,and deepen financial reform promote financial institutions to deepen reform and determine future development strategies according to their own conditions.As an important support force in the financial market,rural commercial banks occupy an important position in the financial system.With the accelerating process of interest rate liberalization,rural commercial banks should formulate corresponding measures to cope with the changes in the market environment.This paper takes the loan business of rural commercial banks as the research object,analyzes the current situation of the loan business of rural commercial banks,points out the existing problems,further analyzes the causes of the problems,and puts forward corresponding measures.

关 键 词：贷款产品 贷款结构 贷款风险 

分 类 号：F832.4[经济管理—金融学]