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建立贷款监测系统,及时反映贷款的安全度。银行在对现有信贷资产进行认真清理的基础上,划清信贷资产存量结构,设立贷款考核体系。主要运用以下指标:A.资本金比率控制。该比率用以约束银行超负荷经营,避免信贷资产与信贷基金不匹配而带来的经营性风险。公式为:
Establish a loan monitoring system to timely reflect the safety of loans. On the basis of earnestly cleaning up the existing credit assets, the Bank delineated the stock structure of credit assets and set up the loan appraisal system. The main use of the following indicators: A. Capital ratio control. The ratio is used to restrain banks from over-operating and avoid operating risks arising from the mismatch between credit assets and credit funds. The formula is: