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一系列金融法规的颁布实施,为商业银行规范信贷资金的管理提供了法律武器。如何运用好这个武器,保护信贷资产,规范信贷行为,提高信贷资产质量,已经成为金融工作者应当注重研究解决的问题。而在现实中,一些违规违法行为依然不同程度地存在。严重威胁着信贷资产的质量,其主要表现有以下几方面: 一是银行自身有法不依。对贷款的管理不够严格,贷款投放不能坚持严格的操作程序,审贷不分,越权放贷,贷后跟踪不紧,对项目考察不严,评估不实,抵押担保不到位,还有相当一部分是信用放款,更有甚者,搞人情贷款,以贷谋私等等。
The promulgation and implementation of a series of financial laws and regulations have provided legal weapons to regulate the management of credit funds by commercial banks. How to make good use of this weapon, protect credit assets, standardize credit behavior and improve the quality of credit assets have become the problems that financial workers should pay attention to studying and solving. In reality, some illegal activities still exist in varying degrees. Serious threat to the quality of credit assets, its main performance in the following areas: First, banks have their own laws. The management of loans is not strict enough. Loans can not be insisted on rigorous operating procedures, regardless of whether the loan is approved, ultra-lending, post-loan tracking is not tight, the project is not rigorous, the assessment is not accurate, the mortgage guarantee is not in place, and a considerable portion is Credit lending, what is more, Engage in loving people, loans to seek personal gain and so on.