论文部分内容阅读
随着我国金融体制改革的不断深入,金融业日益发展壮大,银行在国民经济中的地位和作用越来越重要,已成为支持国民经济发展的主要资金渠道。但是,当前银行业经营管理中存在的许多问题,仍然在各个方面不同程度地影响和阻碍着银行业的稳健运行,制约着我国经济的健康发展。当前银行业经营管理过程中存在的主要问题:一是信贷结构不尽合理;二是信贷资产质量不高,不良贷款比重增大,资金沉淀严重;三是经济效益低下。上述问题的存在,客观上要求银行自身必须进一步强化改革措施,努力调整信贷结构,盘活资金存量,切实加强经营管理,具体应采取以下措施。
With the continuous deepening of China’s financial system reform and the increasing development and expansion of the financial industry, banks have become more and more important in the national economy and have become the major funding channels for supporting the development of the national economy. However, many problems existing in the operation and management of the banking industry still affect and hinder the steady operation of the banking industry to varying degrees in various aspects, which restrict the healthy development of our economy. At present, the main problems that exist in the operation and management of the banking industry are as follows: First, the credit structure is not rational; second, the quality of credit assets is not high, the proportion of non-performing loans is increased, and the funds are precipitated; thirdly, the economic benefits are low. The existence of the above problems objectively requires that the bank itself must further strengthen the reform measures, make efforts to adjust the credit structure, revitalize the capital stock, and earnestly strengthen management. The following measures should be taken in particular.