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ji ceng zhong xing xiang shang ye yin xing zhuan bian de wen ti ji jian yi
Author(s): 
Pages: 42-43
Year: Issue:  12
Journal: Xi'an Finance

Keyword:  商业银行信贷资产外贸企业经营机制专业银行差别利率行向人事管理成本核算银行信贷资金;
Abstract: <正> 一、基层中行向商业银行转变中存在的问题。1、信贷资金存量僵化,“包袱”难卸。由于受计划经济和专业银行性质的制约,截止1994年6月底,咸阳中行在贷款存量中,外贸企业有21.7%的信贷资产被亏损占压;在工业企业贷款中,有27.1%的贷款形成风险呆滞;全行逾期贷款、呆滞贷款分别占全部信贷资产的17.2%、16.3%,二项总计占信贷总额的33.5%,占银行负债总额的25.8%;应收未收利息占信贷资产总额的3.88%,使银行信贷资金的流动性、安全性和盈利性无法保证。
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