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目前,信贷资产质量低下是困扰专业银行向商业银行转化的一个突出问题,而造成这一问题的主要原因之一,是银行依法经营意识不强。信贷依法管理,就是要充分运用法律手段,坚持把贷款的放、管、收全过程纳入依法管理的轨道,最大限度地降低信贷风险,增强信贷资金的安全性、流动性和效益性。一、依法放贷是防范信贷资产风险的前提条件非法的放贷,使收贷丧失法律效力。因此银行在发放贷款时,必须依法进行。
At present, the low quality of credit assets is one of the prominent problems plaguing specialized banks in transforming them into commercial banks. One of the major causes of this problem is that banks are not well-run in accordance with the law. Credit management in accordance with the law means that we must make full use of legal means and insist on putting the release, management and collection of loans into the track of legally managing to minimize the credit risk and enhance the safety, liquidity and profitability of credit funds. First, lending according to law is a prerequisite for preventing the risk of credit assets Loans illegally, so that the debt collection and loss of legal effect. Therefore, banks must issue loans in accordance with the law.