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贷款逾期率偏高是当前银行信贷风险的一个突出表现,也是银行目前亟需解决的一个大问题。为此,笔者目前对中国银行郴州分行全辖及郴州市其他3家国有商业银行的部分基层县级支行的信贷逾期情况进行了专题调查。通过调查了解到,许多行之所以贷款逾期率较高,除了正常的原因如贷款企业因生产周转不灵进而导致贷款不能按期归还外,再就是许多行不同程度地
The high loan overdue rate is a prominent manifestation of the current bank credit risk and also a big problem that the bank needs to solve urgently. To this end, the author currently conducted a special investigation on the overdue credit conditions of the entire county-level sub-branches of Chenzhou Branch of the Bank of China and other three state-owned commercial banks in Chenzhou City. According to the survey, many loans have a higher overdue loan-to-loan ratio, except for normal reasons such as the failure of the lending enterprise to make loans due to poor production turnover, and many other types of loans