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当前,过剩产能行业等重点领域风险苗头有所显现,企业资金链风险、担保链风险以及影子银行等外部风险因素相互交织影响,银行业信用风险呈缓慢上升趋势。今年一季度,银行业金融机构新增不良贷款已达去年全年增量的55%。经营实力和抗风险能力相对较弱的农村中小金融机构,在信用风险防控方面面临更大的压力和挑战,应在分析风险成因的基础上,做精做细做实信用风险管理,加速发展转型,有效提升风险防范和化解能力。
At present, the risks in key industries such as overcapacity industries have emerged. The risks in the capital chain of the enterprises, the risks in the guarantee chain and the external risk factors such as the shadow banking are intertwined. The credit risk of the banking industry shows a slow upward trend. In the first quarter of this year, the new non-performing loans of banking financial institutions reached 55% of the annual increase last year. Small and medium-sized financial institutions with relatively weak operation capability and anti-risk ability face more pressure and challenges in credit risk prevention and control. They should do a good job in credit risk management and accelerate development on the basis of analyzing the causes of risks Transformation, effectively enhance risk prevention and mitigation capabilities.