摘要
目前我国商业银行大多受不良贷款的困扰而举步艰难，纠其原因主要是政府的行政干预，企业的还贷意识淡漠，法律体律不全，银行经营不善等。银行要摆脱这种困境就必须加强风险的防范；首先要完善法律法规体系，规范政府行为和企业行为；其次加强银行内部管理制度；第三建立健全银行内部风险转化机制；第四强化中央银行的监管。
Nowaday, must of the home commercial banks are bothered by bad loans, and thus have great difficultion to develop. The main reasons are the administrative intrusion, the indifference of the enterprises conversion loan, the imperfect 1egal system, and the inefficient management of the banks. In order to avoid such a situation, the banks should strengthen their risk protection. First, we should improve the legal systems and standardize the government and enterprises behaviors. Second, we should strengthen the management of the bank. Third, we should develop and perfect the risk shifting system. Finally, we should strengthen the supervision of the central Bank.
出处
《陕西省行政学院陕西省经济管理干部学院学报》
2001年第2期58-60,共3页
Journal of Shaanxi Administration School and Shaanxi Economic Management School
关键词
商业银行
信贷风险
法律
法规
防范
不良贷款
机制
commercial bank
credit risk
bad loan
legal and statute systems
mechanism
supervision
