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所谓国有商业银行的准政策性信贷资产,主要是指在特定的历史条件下,根据某种特殊需要,由各级政府直接指定或间接干预所形成的又不为政策性银行接受的,并且已转化为呆滞、呆帐或已具明显风险的信贷资产。目前国有商业银行的准政策性信贷资产主要包含如以下几个方面:一是国家和地方政府为扶持、促进地区经济的开发、发展而指定银行发放的开发贷款、老少边穷贷款、扶贫贴息贷款等;二是为促进农业发展而指定银行发放的农业贷款、农业生产资料储备贷款及农林牧副渔基地开发贷款;三是为长期战略性需要指定银行发放的基本建设、技术改造、科技开发等计划性贷款;四是特殊时期特殊政策形式的信贷资产,如1989年以来对停产半停产企业发放的的“安定团结”贷款、支援灾区贷款和财政、银行、企业主管部门对亏损企业实行“三家抬”发放的贷款等。
The so-called quasi-policy credit assets of state-owned commercial banks refer mainly to those that are formed by direct or indirect interference by governments at certain levels and are not accepted by policy banks under certain historical conditions and according to some special needs. Into sluggish, bad loans or credit assets that have obvious risks. At present, the quasi-policy credit assets of state-owned commercial banks mainly include the following aspects: First, national and local governments, in order to support and promote the development and development of the local economy, designated designated banks for development loans, poor loans for all young people and poor loans for poverty alleviation Etc .; secondly, agricultural loans, agricultural means of production reserve loans and agricultural, forestry, animal husbandry and fishery base development loans issued by designated banks for the purpose of promoting agricultural development; thirdly, for the long-term strategic needs designated banks to issue capital construction, technological innovation and technological development Planned loans; Fourth, credit assets in the form of special policies in special times, such as “stability and solidarity” loans issued to halted semi-discontinued enterprises since 1989, loans provided to affected areas and financial, banking and corporate departments to implement “three Lift ”loans issued.