盘活存量信贷的空间测算与路径优化  

Analysis of the Space and Path of Revitalizing Credit Stock

作　　者：毛磊[1] 张庆[2] Mao Lei;Zhang Qing

机构地区：[1]中国建设银行研修中心(研究院) [2]中国建设银行湖北省分行

出　　处：《工程经济》2024年第8期61-66,共6页ENGINEERING ECONOMY

摘　　要：截至2023年12月信贷存量高达238万亿元,已引发产出效率下滑、偿债压力激增等隐患,是盘活存量首当其冲要关注的问题。经测算,未来2-3年,通过存量移位再贷、信贷资产证券化、不良贷款转让与核销等路径的不断优化,存量信贷的年均盘活空间或能达到33-45万亿元规模。商业银行应积极探索“增量+存量”的信贷全生命周期管理,实施“降本+增效”的信贷管理全流程再造,推进“做优+做强”的内涵式发展转型,通过实现自身高质量发展助力金融强国建设。Up to December 2023,the credit stock reached 238 trillion yuan,which has caused hidden dangers such as decline of output efficiency and debt repayment pressure.It is estimated that in the next 2-3 years,through the continuous optimization of relending,credit Asset-backed Securities,non-performing loan disposal,the annual revitalization space may reach 33-45 trillion yuan.Commercial banks should actively explore the credit life cycle management,implement credit management process reengineering,promote the connotative development transformation.

关 键 词：盘活存量 信贷 商业银行 

分 类 号：F832.4[经济管理—金融学]