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截止2000年初,南充分行作为全辖84年第一批组建的老行,仅有贷款客户68户,余额31972万元,不良资产户数53户,不良资产余额为26059万元,占比81.5%。经过资产剥离后,贷款余额只有22871万元,不良资产比率仍达60%。在所剩的49户贷款企业中:能还本付息的企业占14户,贷款5215万元,占比分别为29%和23%;只能以还旧借新和偿还部分利息方式运转的企业10户,余额2370万元,占比分别为20%和10%;几乎没有还本付息能力的25户,余额15286万元,占比分别为51%和67%。因此,积极寻求清收不良贷款的突破口,始终是我行信贷工作的一项重要而艰巨的任务。
As of the beginning of 2000, Nanchong Branch, as the first bank established in 1984 under its jurisdiction, only had 68 loan customers, with a balance of 3197.2 million yuan, 53 bad assets households and a balance of non-performing assets of 260.59 million yuan, accounting for 81.5% . After the divestiture of assets, the loan balance was only 228.71 million yuan, and the non-performing asset ratio still reached 60%. Among the remaining 49 loan-related enterprises, 14 enterprises can repay principal and interest, with 52.15 million yuan loans, accounting for 29% and 23% respectively; they can only operate by borrowing old ones and repaying some interest rates 10 enterprises, the balance of 23.7 million yuan, accounting for 20% and 10% respectively; almost no ability to repay the debt 25 households, the balance of 152.86 million yuan, accounting for 51% and 67% respectively. Therefore, actively seeking a breakthrough in collecting non-performing loans has always been an important and arduous task for our credit work.