一、银行信贷资产风险形成的成因1、经济发展的不协调性,大起大落,银行信贷政策难以掌握。如在1988年和1992年至1993年上半年经济过热时政策偏松,银行贷款大量投放,贷款失控。而在经济调整时,紧缩银根,又出现“一刀切”造成资金周转不灵,许多工程项目停工,企业生产经营产品、商品积压,支付能力锐减。2、政府行政干预。银行对一些不该支持的项目,发放了违心贷款,盲目贷款,出现了行政定盘子,企业铺摊子,银行拿票子的现象,这样项目一开始就潜伏着风险,在项目建成投产时就出现无效益或亏损,导致银企双方陷入困境,潜在风险明朗化。 First, the causes of the formation of bank credit assets risk 1, the incompatibility of economic development, ups and downs, bank credit policy is difficult to grasp. For example, when the economy became overheated in 1988 and from 1992 to the first half of 1993, policies were largely loosened, bank loans were heavily put on and loans went out of control. In the course of economic restructuring, the tight monetary policy and the emergence of “one size fits all ” caused the cash flow to be unbalanced. Many projects stopped working, and the production and operation of products, the backlog of goods and the sharp drop in the ability to pay were all under way. 2, the government administrative intervention. Bank loans for some projects that should not be supported, blind loans issued, the emergence of the administrative plate, shops, banks taking votes phenomenon, so that the project lurking at the beginning, when the project is completed and put into operation without Benefit or loss, resulting in both banks and enterprises into trouble, the potential risks become clear.