| 浅谈我国银行信贷资金的风险防范 |
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| 引用本文： | 马顺英.浅谈我国银行信贷资金的风险防范[J].开封大学学报,2006,20(3):16-17. |
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| 作者姓名： | 马顺英 |
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| 作者单位： | 开封大学,财政经济学院,河南,开封,475004 |
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| 摘 要： | 银行在开拓市场与开发信贷业务过程中,出于规避风险的考虑,常把信贷资金向大企业集中,这无形中加大了信贷风险。为防范风险,银行应做到:合理分配信贷资金,不过分向“大户”集中;严格放款程序;锤炼风险识别能力和不迷信“大牌”会计师事务所。这样做就能真正筑起信贷业务的“防火墙”。
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| 关 键 词： | 银行 信贷资金 风险 防范 |
| 文章编号： | 1008-343X（2006）03-0016-02 |
| 收稿时间： | 2006-06-29 |
| 修稿时间： | 2006年6月29日 |
Bank Credit Funds Risk Preventation in Our Country |
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| MA Shun-ying.Bank Credit Funds Risk Preventation in Our Country[J].Journal of Kaifeng University,2006,20(3):16-17. |
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| Authors: | MA Shun-ying |
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| Abstract: | In consideration of the risk,the bank often centralizes the credit funds to big enterprise in the development of markets and credit operation process,which enlarges the credit risk.In order to guard against the risk,the bank should:rationlly distribute credit funds,not centralize the credit funds to the big enterprise,be strict with the process,enhancethe ability of indentifying the risk and not believe "famous account office"blindly. |
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| Keywords: | bank credit funds risk guard against |
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