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现行信贷风险防范机制存在五个问题 1.测险机制失灵,导致信贷决策失误 测险机制作为风险防范的第一屏障,处于贷款风险防范的“瓶颈”地位。银行在贷款发放前必须对贷款对象进行可行性研究,测定其风险程度,为最终贷款投向、投量的
There are five problems with the current credit risk prevention mechanism: 1. Failure of the risk measurement mechanism has led to the failure mechanism of credit decision-making as the first barrier to risk prevention and is at the “bottleneck” of preventing loan risks. Before issuing a loan, a bank must carry out a feasibility study on the loan object, determine the degree of risk, provide the final loan,