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我国的银行业将实施新的贷款分类方法,由原来的“一逾两呆”以流动性管理为基础的贷款分类方法过渡到以风险管理为基础的贷款风险分类方法,这是我国银行贷款管理制度的重大改革,也是我国银行业向国际接轨建立现代银行制度的重大举措。今年8月,以贷款风险分类为核心的资产清分工作在全国展开,这将对各银行的信贷管理产生重大影响。同时,对信贷工作提出了更高要求。然而,在欠发达地区,受各种因素的制约,开展贷款风险分类管理存在着亟待解决的问题和难点。对此笔者将就其特点和在欠发达地区推行此办法应注意的问题谈几点看法。
China’s banking industry will implement a new loan classification method, from the original “one more than two stayed ” to the liquidity management based loan classification method to the risk management-based loan risk classification method, which is our bank The major reform of the loan management system is also a major measure for establishing a modern banking system in line with international standards in China’s banking sector. In August this year, asset-liquidation work centered on the loan risk classification was launched throughout the country, which will have a significant impact on the credit management of banks. At the same time, credit work put forward higher requirements. However, in underdeveloped areas, due to various factors, there are some problems and difficulties to be solved urgently in the management of loan risk classification. In this regard, I will talk about its characteristics and in less developed areas should pay attention to this approach to talk about some ideas.