近几年,在西部大开发和新一轮基本建设、城镇扩充规模的外延经济热潮中,一些银行对房地产贷款风险分类、风险定价和风险管理缺乏相对应的贷款质量测评监管,以致通过借旧还新、提高信用等级和修改财务报告等,使不良贷款总量依然长期居高不下。缺乏对不同信用等级的客户现金流量在市场营销、产品研发、资金链条等环节的动态产业背景分析。 In recent years, in the large-scale development of the western region and the new round of capital construction and expanding economic scale in cities and towns, some banks have not properly regulated the loan quality assessment on risk classification, risk pricing and risk management of real estate loans, New, improved credit rating and revised financial reports, so that the total amount of non-performing loans remained high for a long time. Lacking of the dynamic industrial background analysis of the clients’ cash flow of different credit ratings in marketing, product development and capital chain.