论延边商业银行问题贷款的成因及其防范途径
|
摘要
改革开放以来，延边商业银行得到了长足的发展，为延边的经济建设发挥了巨大的作用。但是，由于体制、历史、现实、内外部等原因，出现了许多潜在风险问题。随着金融体制改革的深化，防范与化解金融风险已成为金融界所关注的焦点问题。而金融风险问题的核心是贷款风险问题。
目前，金融机构的问题贷款已成痼疾，恶意、悬空、逃废、拖欠，甚至拒不偿还金融债务的现象屡见不鲜，有相当一部分企业在改制前存在拖欠金融机构贷款行为，改制后对金融债务没有落实，维护原状，甚至个别企业借改制之机逃废债务，致使金融机构的问题贷款不断增长。面对不规范的改制行为，为有效保护金融债权，确保信贷资产安全，防范和化解金融风险。这就需要政府、企业、银行及其他职能部门的共同努力，通过不断加强自我定位，认真履行部门职能，完善各自责任行为，甚至依法来实现。
延边商业银行的信贷资产规模大，但质量差，旧的贷款风险尚未消除，新的贷款风险又已出现。只有深入地挖掘问题资产形成的原因，才能对症下药，逐渐化解。
Since the reform and opening up of our country, Yanbian Commercial Bank has made considerable progress in the business, contributed a lot to the economic construction of Yanbian. But, due to many systematic, historic, actual, internal and external reasons, there are many potential risks. With the gradually deepening of the financial system reform, the prevention and resolving of the financial risk is the key point concerned by the financial field. The core of the financial risk is the loan risk problem.
At present, the dead loan problem of the financial institutions has become the largest problem, the willful un-repaying, escape repaying, delay repaying and no-repaying occurs nearly in every financial institutions. Before the systematic reform of the financial institutions, many enterprises hadn't repaid the loan to the financial institutions, and many of then haven't repaid it even after the systematic reform, and the problem loans maintained the former state. Some enterprises want to escape the loans during the systematic reform of the financial institutions, this caused the problem loan of the financial institutions increases continuously. Before the non-standard systematic reform, in order to protect the financial liabilities, to ensure the safety of the credit assets, to prevent and resolve the financial risks, this need the government, enterprises, banks and other functional organizations to work together, through the continuous self positioning, to carry out the functions of every parts, to complete
the self responsibility behaviors, to realize it according to the law.
Yanbian Commercial Bank has large scale of credit assets, but the quality is not very high, the old loan risk hasn't been resolved, and the new loan risks appear again. Only we deeply discover the reason of causing the problem assets, can we treat it according to the respective cases, to resolve all the financial risks.
目前，金融机构的问题贷款已成痼疾，恶意、悬空、逃废、拖欠，甚至拒不偿还金融债务的现象屡见不鲜，有相当一部分企业在改制前存在拖欠金融机构贷款行为，改制后对金融债务没有落实，维护原状，甚至个别企业借改制之机逃废债务，致使金融机构的问题贷款不断增长。面对不规范的改制行为，为有效保护金融债权，确保信贷资产安全，防范和化解金融风险。这就需要政府、企业、银行及其他职能部门的共同努力，通过不断加强自我定位，认真履行部门职能，完善各自责任行为，甚至依法来实现。
延边商业银行的信贷资产规模大，但质量差，旧的贷款风险尚未消除，新的贷款风险又已出现。只有深入地挖掘问题资产形成的原因，才能对症下药，逐渐化解。
Since the reform and opening up of our country, Yanbian Commercial Bank has made considerable progress in the business, contributed a lot to the economic construction of Yanbian. But, due to many systematic, historic, actual, internal and external reasons, there are many potential risks. With the gradually deepening of the financial system reform, the prevention and resolving of the financial risk is the key point concerned by the financial field. The core of the financial risk is the loan risk problem.
At present, the dead loan problem of the financial institutions has become the largest problem, the willful un-repaying, escape repaying, delay repaying and no-repaying occurs nearly in every financial institutions. Before the systematic reform of the financial institutions, many enterprises hadn't repaid the loan to the financial institutions, and many of then haven't repaid it even after the systematic reform, and the problem loans maintained the former state. Some enterprises want to escape the loans during the systematic reform of the financial institutions, this caused the problem loan of the financial institutions increases continuously. Before the non-standard systematic reform, in order to protect the financial liabilities, to ensure the safety of the credit assets, to prevent and resolve the financial risks, this need the government, enterprises, banks and other functional organizations to work together, through the continuous self positioning, to carry out the functions of every parts, to complete
the self responsibility behaviors, to realize it according to the law.
Yanbian Commercial Bank has large scale of credit assets, but the quality is not very high, the old loan risk hasn't been resolved, and the new loan risks appear again. Only we deeply discover the reason of causing the problem assets, can we treat it according to the respective cases, to resolve all the financial risks.
引文
[1] 吴慧强，商业银行风险与防范；广东经济出版社，2001．6
[2] 林后春、蒋三庚、成小洲，金融风险及其防范；中国发展出版社，2001．1
[3] 王晓方，中国金融发展问题研究：中国金融出版社，2000．12
[4] 叶辅靖，全能银行比较研究：中国金融出版社，2001．5
[5] 苏存，金融经济问题探索；中国金融出版社，2000．3
[6] 唐正民，商业银行经营管理；中国检察出版社，1997．8
[7] 李强、夏样芳，商业银行问题贷款管理：海天出版社，2000．7
[8] 叶近祥，关于防范化解金融风险的几点思考：东北金融，2000．12
[9] 张伟，对“两呆”贷款实行集中管理的初步探索，东北金融，2000．12
[10] 韩强，银企改革的非均衡性与银行不良资产；中国金融，2000．10
[11] 连育青，当前信贷经营管理的问题与对策：中国金融，2000．10
[12] 唐双宁，剥离不良贷款后的任务：中国金融，2000．10
[13] 建立行之有效的金融监管体系的思考：中国金融，2000．10
[14] 乔阳，金融监管国际化趋势及我国的对策；东北金融，2000．12
[15] 裴永文，解决农村信用社风险的主要措施；东北金融，2000．12
[16] 张庆国、陆亚军、张明辉，加强对农村信用社抵押贷款管理的思考；东北融，2000．12
[17] 刘志光、李荣恒，经济欠发达地区金融风险的防范对策；东北金融，2000．12
[18] 杨绍萍，资产质量是银行的生命线；现代商业银行导刊，2001．6
[19] 李武君，企业改制、资产重组与银行信贷经营：现代商业银行导刊，1999．6
[20] 陈小玫、徐坤，不良贷款管理之思考；中国投资管理，1998．12
[21] 彭海泉，企业改制与银行资产保全；吉林省投资协会 建设银行吉林省分行获奖科研论文集，吉林人民出版社，1998
[22] 李小冬，国有企业转制中银行防范信贷风险的措施；东北金融，2000．2
[23] 吴景杰，浅谈我国商业银行内部控制制度建设；吉林金融研究，2001．7
[24] 王东升，银行信贷资产风险极其防范；金融专家论金融，吉林人民出版社，1998
[25] 韩雷，我国金融体制改革的理论与实践：中国经济出版社，1992
[26] 白颖、郭成辉，试论国有商业银行不良贷款的化解方略：农村金融研究，2000．4
[27] 潘文波，商业银行贷款风险分类实证研究报告：投资研究，2001．1
[28] 隋俊基、张东良，基层商业银行信贷资产风险的成因及防范措施：吉林金融研究，2001．5
[29] 谭兴民，推进资产重组盘活不良资产：投资研究，2000．10
[30] 牟铁军，提高信贷资产质量关键在管理；金融专家论金融，吉林人民出版社，1998
[31] 张荣佶，完善内部机制防范金融风险；金融专家论金融，吉林人民出版社，1998
[2] 林后春、蒋三庚、成小洲，金融风险及其防范；中国发展出版社，2001．1
[3] 王晓方，中国金融发展问题研究：中国金融出版社，2000．12
[4] 叶辅靖，全能银行比较研究：中国金融出版社，2001．5
[5] 苏存，金融经济问题探索；中国金融出版社，2000．3
[6] 唐正民，商业银行经营管理；中国检察出版社，1997．8
[7] 李强、夏样芳，商业银行问题贷款管理：海天出版社，2000．7
[8] 叶近祥，关于防范化解金融风险的几点思考：东北金融，2000．12
[9] 张伟，对“两呆”贷款实行集中管理的初步探索，东北金融，2000．12
[10] 韩强，银企改革的非均衡性与银行不良资产；中国金融，2000．10
[11] 连育青，当前信贷经营管理的问题与对策：中国金融，2000．10
[12] 唐双宁，剥离不良贷款后的任务：中国金融，2000．10
[13] 建立行之有效的金融监管体系的思考：中国金融，2000．10
[14] 乔阳，金融监管国际化趋势及我国的对策；东北金融，2000．12
[15] 裴永文，解决农村信用社风险的主要措施；东北金融，2000．12
[16] 张庆国、陆亚军、张明辉，加强对农村信用社抵押贷款管理的思考；东北融，2000．12
[17] 刘志光、李荣恒，经济欠发达地区金融风险的防范对策；东北金融，2000．12
[18] 杨绍萍，资产质量是银行的生命线；现代商业银行导刊，2001．6
[19] 李武君，企业改制、资产重组与银行信贷经营：现代商业银行导刊，1999．6
[20] 陈小玫、徐坤，不良贷款管理之思考；中国投资管理，1998．12
[21] 彭海泉，企业改制与银行资产保全；吉林省投资协会 建设银行吉林省分行获奖科研论文集，吉林人民出版社，1998
[22] 李小冬，国有企业转制中银行防范信贷风险的措施；东北金融，2000．2
[23] 吴景杰，浅谈我国商业银行内部控制制度建设；吉林金融研究，2001．7
[24] 王东升，银行信贷资产风险极其防范；金融专家论金融，吉林人民出版社，1998
[25] 韩雷，我国金融体制改革的理论与实践：中国经济出版社，1992
[26] 白颖、郭成辉，试论国有商业银行不良贷款的化解方略：农村金融研究，2000．4
[27] 潘文波，商业银行贷款风险分类实证研究报告：投资研究，2001．1
[28] 隋俊基、张东良，基层商业银行信贷资产风险的成因及防范措施：吉林金融研究，2001．5
[29] 谭兴民，推进资产重组盘活不良资产：投资研究，2000．10
[30] 牟铁军，提高信贷资产质量关键在管理；金融专家论金融，吉林人民出版社，1998
[31] 张荣佶，完善内部机制防范金融风险；金融专家论金融，吉林人民出版社，1998