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银监会“三法一指引”(贷款新规)的实施,从制度源头根本解决了长期困扰我国银行业信贷风险乃至监管中的矛盾和问题。本文通过对贷款新规的可行性研析,结合基层农行在执行过程中遇到的一些问题,提出了有关改进措施。
The implementation of China Banking Regulatory Commission (CBRC) and the “Three Principles and One Guideline” (New Loan Rules) fundamentally solved the contradictions and problems that plagued China’s banking industry in the credit risk and regulation from the source of the system. Based on the feasibility analysis of new loan regulations and some problems encountered in the implementation of grassroots agricultural banks, this paper puts forward some improvement measures.