贯彻党的十五大精神后,个体私营经济发展较快,银行如何充分发挥在支持个体私营经济发展中的作用,达到银行自身效益和社会效益的同步增长,笔者认为,做好个体私营经济贷款风险防范应注意做好三个方面:一、要做好贷前调查,区别对待择优扶持。发放私营企业贷款时除认真调查企业的负债水平、盈利能力以及产品的销路等有关情况外,还要特别注意个体私营企业主的经营能力、思想品德、生活作风等详细情况,切实提防因个体私营企业主的个人行为导致信贷资产的损失。同时对私营企业一定要区别对待,择优扶持,要逐步使信贷资金向产品销路好、贷款回笼快 After carrying out the spirit of the 15th Party Congress, the private and private sectors of the economy have developed rapidly. How can the bank give full play to its role in supporting the development of individual and private economy so as to achieve the simultaneous growth of the bank’s own benefits and social benefits? In my opinion, Risk prevention should pay attention to do three aspects: First, we must do a good job of pre-loan investigation, to distinguish between supportive. In addition to earnestly investigating the level of debt, profitability and sales of products, private sector loans should also pay special attention to the details of the management ability, ideological and moral qualities, style of life of individual and private entrepreneurs, and earnestly guard against the personal, private, The entrepreneur’s personal behavior leads to the loss of credit assets. At the same time, we must treat the private sector differently and give priority to support. We should gradually make the credit funds sell well to the products and the loans will be repaid soon