UC知道在线翻译,把我所有分都给你
来源：百度知道 编辑：UC知道 时间：2024/06/19 01:41:56
根据不同客户的具体情况，选择最佳信贷退出方式。各地区域经济结构、信贷存量结构都存在着较大的差异性，信贷退出方式不能采取一刀切的办法，必须讲究策略和方法，因企施策。信贷退出方式主要有一下几种：（1）“渐进式”退出。对融资渠道比较多的客户，可以主动让出一部分市场，在其他渠道资金陆续进入后逐步退出。对于一些占有份额过大，但发展前景不乐观的企业，即使能够正常还本付息，也要适当让出贷款份额。（2）“节育式”退出。对不符合国家产业政策、浪费资源、污染环境的加工项目或列入国家禁止投资项目的基本建设项目，对国家命令淘汰的落后产品，对以各种形式逃废银行债务和有意拖欠银行本息的企业，对有逃汇、骗汇行为的企业，以及信用等级较低的企业，应停止向其发放贷款，只收不贷。（3）“压缩式”退出。对于生产能力过剩，经营效益不佳，缺乏竞争优势的传统行业，要在控制贷款总量的基础上，努力做好压缩工作，逐步退出。（4）“重组式”退出。对产品有市场，因债务重组或管理水平低而陷入困境的客户，可以积极牵线搭桥，采取促进兼并、拍卖、上市等方式实现资产和债务重组。（5）“出售式”退出。对于商业银行的不良资产，可以出售给其他金融机构或者企业，如出售给
Reconstruction and optimization of state-owned commercial line of credit risk control system. Risk management should be run through the entire loan cycle, in the loan before the survey, loan review, loan after the inspection, the procedure can not be omitted, the whole process of the formation of the corresponding concept of risk prevention and risk control mechanism. Specific measures can be taken as follows: (1) the establishment of early warning system of risk indicators. By strengthening the profitability of the business analysis, forecasts and trends of business development prospects, in the event of the risk of signs and immediately take appropriate measures to ensure the safety of bank assets. (2) the establishment of an effective strategy to examination and approval process. Control of credit risk the most feasible approach is to establish a standardized strategy for the loan approval process. Control of credit risk the most feasible approach is to establish a standardized s