| 关于防范银行贷款风险的思考 |
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| 引用本文： | 刘芳.关于防范银行贷款风险的思考[J].五邑大学学报(社会科学版),1999(2). |
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| 作者姓名： | 刘芳 |
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| 作者单位： | 广东商学院学报编辑部!广东广州510320 |
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| 摘 要： | 我国国有商业银行贷款风险主要受企业、银行内部因素的影响以及信贷资金管理体制和地方政府的行政干预等外部因素的影响。从银行自身着手主动控制风险是解决问题的关键， 改善企业经营状况是银行防范贷款风险的重要外部条件， 减少政府行政干预和完善信贷资金管理体制是贷款风险防范的重点之一。
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| 关 键 词： | 银行贷款 不良信贷资产 信贷资金管理体制 企业管理 行政干预 |
Avoidance of Banks' Risks in Lending |
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| LIU Fang.Avoidance of Banks' Risks in Lending[J].Journal of Wuyi University(Social Sciences Edition),1999(2). |
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| Authors: | LIU Fang |
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| Abstract: | As far as China's state-owned commercial banks are concerned, the main risks in lending are caused by both factors lying in lending banks and borrowing enterprises and by such external factors as credit capital management system and interference from local governments. Therefore, the key solution to the problem lies in a bank's own effort to control risks, and the improvement of enterprise operation is an important external condition. Besides, it is also important to lessen administrative interference from governments and to perfect the credit capital management system. |
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| Keywords: | bank loan bad credit capital credit capital management system enterprise management administrative interference |
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