摘要
目前,我国国有银行和中小银行不良贷款问题突出,甚至2013年中期发生过多家银行闹"钱荒"的现象。究其原因是多方面的,主要是各银行的借款质量不高,一些中小银行甚至存在严重的不良贷款问题。要真正解决不良贷款问题,必须充分认识到我国不良贷款问题产生的根源,从系统的视角,全面分析问题症结,标本兼治,从顶层设计着手,改革金融制度,破除金融业垄断,促进有效竞争;注重发挥司法处理纠纷的作用,使不良贷款纠纷得到更加高效有力的解决;大力推动诚信社会法制体系建立,使每一个借款人和银行工作人员以及社会中介机构都能守规则、讲诚信、勇担当,才能逐步解决我国不良贷款问题,促进金融经济社会持续健康发展。
Currently, China＇ s state-owned banks and small ＆ medium banks have protectively non-performing loans, and even deposits of many banks were out of supply in the middle of 2013. Various reasons lead this situation, but the main element is the banks issued lower quality loan, serious non-performing loans even existed in some small and medium banks. In order to truly resolve the non-performing loans, we should fully understand the origins of non-performing loans, comprehensively analyze the crucial reasons of the problems from systematic view, resolve the current problems and eliminate the root causes; falling to top-level design, reform financial system, break monopoliza- tion of financial industry, and encourage effective competition; pay attention to bringing the function of judicial process- ing into play, so that non-performing loan disputes can be solved more powerfully and efficiently; greatly push forward the establishment of legal system of creditable society, so that every borrower, bank employee and agents can follow principles, honor credibility and be brave to take responsibility. By taking these measures, China＇ s non-performing loan can be solved step by step and sustainable development of finance, economy and society can be enhanced.
出处
《广西经济管理干部学院学报》
2014年第1期35-41,共7页
Journal of GuangXi Cadres College of Economic and Management
关键词
不良贷款
金融制度
司法制度
完善
Non-performing loan
Financial System
Judiciary System
Improvement
