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随着银行业金融机构体制与机制改革的不断深化,及国内宏观经济环境变化等因素的影响,近两年来银行业不良贷款情况及其形成、处置等方面呈现了一些新的特点,增加了银行信贷风险管控的压力。本文通过对当前不良贷款情况及处置形势的分析,提出实施封闭贷款盘活清收不良贷款的思路,并对实施过程中的风险防范提出了具体建议。
With the continuous deepening of the reform of the banking financial institutions’ systems and mechanisms and the changes in the domestic macroeconomic environment, the banking sector has shown some new features in terms of its non-performing loans and its formation and disposal in the past two years, increasing the number of banks Pressure on credit risk management and control. Based on the analysis of the current situation of non-performing loans and the situation of disposal, this paper puts forward the idea of implementing closed-end loans revitalization and collection of non-performing loans, and puts forward specific suggestions on risk prevention in the process of implementation.