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贷款进入与退出的内涵 贷款进入和退出是指在银行确认企业即将走向兴盛或衰退时,为增加银行收益或防范和化解风险而有计划地增加或减少贷款投放的一种行为。贷款进入和退出的理论依据,从某种意义上说,就是行业生命周期分析理论。从行业生命周期发展过程分析,一般可分为初创、成长、成熟、衰退四个阶段。当前,商业银行对信贷客户对象的选择应建立在全面综合分析其行业兴衰、行业与经济周期变化关系及行业对商业银行的边际贡献等基本指标的基础上,要
Loan entry and exit of the connotation Loan entry and exit refers to the bank confirms that the business is about to flourish or recession, in order to increase bank earnings or prevent and resolve the risk of a planned increase or decrease in loan behavior. Loan to enter and exit the theoretical basis, in a sense, is the industry life cycle analysis theory. From the industry life cycle development process analysis, can be divided into four stages: start-up, growth, maturity, recession. At present, the choice of commercial banks for credit clients should be based on a comprehensive and comprehensive analysis of the basic indicators of the rise and fall of their industries, the relationship between the industry and the economic cycle and the industry’s marginal contribution to commercial banks.