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近几年来,银行信贷资产质量下降,非正常贷款猛增的情况邻人忧虑。从审计调查的情况来看,非正常贷款形成有以下几方面的原因:1、企业亏损。据我们对十三户企业损益抽查情况显示,这些企业中有三分之二以上的企业都有不同程度的明亏或暗亏,有些企业亏损严重,造成职工吃企业,企业吃银行贷款,国家资产流失,形成靠银行贷款撑着门面的空壳企业。如某罐头厂由于经营管理不善等原因,企业长期亏损,现已厂垮人散,银行贷款166.4万元早已无法收回。所以银行的同志说:“企业宣布破产,银行贷款也跟着流产。”2、企业违规挤占挪用。虽然我市银行贷款规模逐年以17.5%以上的速度增加,但企业仍喊贷款紧缺。某绣品厂用贷款
In recent years, the quality of credit assets of banks has decreased, and the number of non-normal loans has soared. From the audit survey, non-normal loans formed in the following areas: 1, corporate losses. According to our analysis of the profit and loss of thirteen enterprises, more than two thirds of these enterprises have different levels of deficits or losses. Some enterprises have suffered serious losses, resulting in a situation where workers eat enterprises and enterprises eat bank loans. Loss of assets, the formation of bank loans supported the facade of the shell business. Such as a canning factory due to poor management and other reasons, the long-term corporate losses, has been plant collapse, 1,646,000 yuan bank loans have long been unable to recover. Therefore, the comrades of banks said: “Enterprises declared bankruptcy, bank loans also follow abortion.” Although the bank loans in our city have increased by more than 17.5% year by year, the enterprises still call for a shortage of loans. Embroidery factory loans