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由商业银行发放的个人定期存单质押贷款,对于保障其债权的实现、信贷资产的安全、有效提高信贷资产质量、防范和降低信贷风险具有一定的作用。然而这种在理论上风险度为零的贷款,在实际工作中,由于未按信贷规范化操作程序办理和落实贷款“三查”制度等,不仅未使个人定期存单质押贷款进入还贷回流保险箱,反而使商业银行的贷款资产存在着潜在的信贷风险。本文着重分析其风险类型与成因,并提出相应的防范措施。
Pledged personal certificates of deposit issued by commercial banks play a role in ensuring the realization of their claims, the safety of credit assets, effectively improving the quality of credit assets and preventing and reducing credit risks. However, in theory, the zero risk loans, in actual work, due to the failure to handle and implement the loan “three checks ” system according to credit standardization procedures, not only did not make personal periodic deposit pledge loans into repayment backflow The safe deposit box, on the contrary, presents a potential credit risk to the commercial bank’s loan assets. This article focuses on the analysis of its risk types and causes, and put forward corresponding preventive measures.