据人民银行许昌分行调查统计,全市53家金融企业的贷款,其中不良贷款占42％,有的甚至达90％以上。 在调研中他们发现,金融机构信贷部门把形成风险资产的原因归结为客观原因即企业因素,市场因素及行政干预等,很少承认银行自身存在的不足,而事实则不然。造成信贷资产质量如此低下,金融部门自身有不可推御的责任。 就金融部门讲: (1)对资产质量重视不够,重存款、轻贷款管理。近几年,金融业竞争日趋激烈,为争存款客户群,许诺许多优惠条件,从而简化贷款发放程序,甚至违规也许诺贷款。在调查的53家金融机构中全部存在这方面的问题。经 According to the survey conducted by Xuchang Branch of the People’s Bank of China, 53 financial enterprises in the city have loans, of which 42% are non-performing loans and some even reach over 90%. In the survey, they found that the credit departments of financial institutions attribute the formation of risky assets to objective factors, namely, enterprise factors, market factors and administrative interventions, seldom recognize the deficiencies of the banks themselves, but the fact is not. As a result, the quality of credit assets is so low that the financial sector itself can not shirk its responsibility. On the financial sector: (1) insufficient attention to asset quality, re-deposit, light loan management. In recent years, with the increasingly fierce competition in the financial industry, many preferential terms have been promised for deposit customers, thereby simplifying loan issuance procedures and even violating regulations and promises of loans. All 53 financial institutions surveyed have problems in this area. through