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近年来,银行信贷资金沉淀现象严重,有的已形成风险呆帐,对此应引起我们的高度重视,必须采取有效措施加强清收和转化,保证贷款的流动性、安全性和效益性,促进信贷资金的良性循环。工商银行石家庄和平路办事处在贷款管理中,把清收风险贷款当做中心工作来抓,树立紧迫感和危机感,采取多种有效措施,常抓不懈,打好清收风险贷款的攻坚战。截止到1994年8月末,风险企业户数由原来的19户降到了8户,已累计清收各类风险呆帐贷款1002.8万元,长期挂帐利息32万元,转化各类风险贷款228万元,风险贷款减少29％,取得了显著的效果。他们的做法是: 一、在内部管理上,建立和健全贷
In recent years, the deposit of bank credit funds has become serious, and some have become bad debts, which should arouse our attention. We must take effective measures to strengthen the collection and conversion, ensure the liquidity, safety and profitability of loans and promote A virtuous circle of credit funds. Shijiazhuang Heping Road Office of Industrial and Commercial Bank of China in the loan management, the recovery of risk loans as a central task to grasp, establish a sense of urgency and sense of crisis, take a variety of effective measures, often unremittingly, and lay a good harvest of risk loans to fight tough battles. As of the end of August 1994, the number of venture-funded enterprises dropped from 19 to 8, accumulatively collected a total of 10.028 million yuan of various types of non-performing loans and 320,000 yuan of long-term loans, transforming 2.82 million of various types of risk loans Yuan, a 29% reduction in risky loans and achieved remarkable results. Their approach is: First, in the internal management, establish and improve the loan