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2001年,我国商业银行的贷款分类制度以五级分类标准取代了沿用多年的一逾两呆标准。三年来,从美国漂洋过海引入我国的五级分类制度在本土化实践的考验中,逐步凸显出一些致命缺陷,直接影响着信贷资产质量评估结果的真实性。股改上市后,对五级分类制度进行剖析和改进显得愈发迫切。以设置精确化的标准提高分类的准确性;以规避利益冲突确保分类的真实性;以提倡专业主义、淡化机关化色彩提高分类工作质量,是改进这项制度的基本思路。
In 2001, China’s commercial bank loan classification system to replace the use of five-year classification criteria over many years more than two stayed. In the past three years, the five-level classification system introduced into China from the cross-strait United States has gradually revealed some fatal flaws in its localization practice and has a direct impact on the authenticity of the credit asset quality assessment. Share reform listed, the five classification system analysis and improvement seem more pressing. To set accuracy standards to improve the accuracy of classification; to avoid conflicts of interest to ensure the authenticity of the classification; to promote professionalism, dilute the color of the organization to improve the quality of classification work is to improve the basic idea of this system.