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银行“惜贷”现象在一定程度上存在是正常的 ,它表明银行逐渐成为具有风险意识的主体。但银行“惜贷”的持续存在和蔓延 ,又会造成银行信贷资金的闲置和浪费 ,不利于银行的生存和发展 ,不利于企业摆脱困境和搞活中小企业 ,还会影响产业结构调整和区域经济的协调发展。本文在分析银行“惜贷”的成因的基础上 ,提出了解决银行“惜贷”的建议。
It is normal for a bank to “loaned loans” to a certain extent, which shows that banks have gradually become the subject of risk awareness. However, the continuous existence and spread of banks’ “pity loans” will result in the idleness and waste of bank credit funds, will not be conducive to the survival and development of banks, will not help enterprises to get out of their predicament and activate small and medium-sized enterprises, and will also affect the adjustment of industrial structure and regional economy The coordinated development. Based on the analysis of the causes of banks’ “looting loans”, this paper puts forward some suggestions to solve the “looting loans” of banks.