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资产质量差、财务包袱重一直是困扰工商银行改革和发展的问题 ,实施有效的贷款退出与进入战略则是解决这些问题的关键所在。为促进贷款退出与进入战略在实践中的落实 ,最近由中国城市金融学会组织 1 5个分行召开了“工商银行贷款退出与进入策略”研讨会。本文作为这次研讨会的研究成果 ,紧密结合工商银行的具体实际 ,在阐述贷款退出与进入的涵义、原则以及理论依据的基础上 ,通过对目前工商银行贷款退出与进入中存在问题的分析 ,就工商银行贷款退出与进入策略的构想以及保障这些策略有效实施的机制建设等问题进行了深入的探讨 ,提出了一些有价值的思路与建议 ,仅供有关决策部门参考。
Poor quality of assets and heavy financial burden have always plagued ICBC’s reform and development. Implementing effective loan exit and entry strategies is the key to solving these problems. In order to promote the implementation of loan exit and entry strategies in practice, a seminar entitled “ICBC Loan Exit and Entry Strategy” was held recently by 15 branches of China Urban Finance Association. Based on the research of ICBC, combining with the concrete practice of ICBC, this paper, on the basis of expounding the connotation, principle and theoretical basis of loan exit and entry, analyzes the existing problems of ICBC loan exit and entry, This paper also discussed the concept of ICBC’s exit and entry strategy for loans and the mechanism for ensuring the effective implementation of these strategies. Some valuable ideas and suggestions were put forward for the reference of relevant decision-making departments.