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 Wysłany: Sob 22:03, 22 Sty 2011 Temat postu: Business impact of lack of credit on bank credit a |
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Business impact of lack of credit on bank credit and Countermeasures
Embodiment of the present society has developed to the lack of credit shocking degree. According to the State Administration for Industry statistics, China's economy each year, 40 million copies of the contract. Performance of only 20 million copies, and the deal economy as a whole accounted for only 30% of trading volume. Chairman of China Enterprise Confederation, said Zhang Yanning, China each year due to evasion of debts caused by the direct loss of about 1,[link widoczny dla zalogowanych],800 billion yuan, due to the direct losses caused by fraud, the contract about 55 million poor product quality and selling fake goods caused by the loss of at least 2,000 million, due to Survey shows that companies due from banks reported more than 95% win rate, the implementation rate of only 15%, and about % to 20%. Lack of national credit system,[link widoczny dla zalogowanych], the losses caused to the country each year up to over 5855 billion yuan, equivalent to China's fiscal revenue 37%, thus reducing the GDP by two percentage points per year. Therefore,[link widoczny dla zalogowanych], in the context of the whole society of honesty and style, focusing on the citizens to cultivate and the corresponding regulations of credit constraints. This work is important. Not only is the personal moral and ethical credit level and credit level of the whole society's foundation. Also is all personal credit was originally an important part of commercial credit. Improvement of social credit, honesty and trustworthiness, realistic atmosphere,[link widoczny dla zalogowanych], can effectively reduce the man-made financial risks, reduce the cost of financial operations, economic development and can contribute to social prosperity. In particular the high social mobility, today's commercialization of the economy in general, should vigorously promote the humanities honest fashion and business atmosphere. The good news is the party's (V) establishment of relevant legislative system. Guard against credit loss is a society thing. System through the establishment of relevant legislation,[link widoczny dla zalogowanych], a sound social credit system to prevent the lack of credit. The establishment of social credit system. On the one hand to establish the field of education in the appropriate basis of ideology and, more relevant legislation to establish a system of credit management as soon as possible to develop laws and regulations, in particular, to strengthen the credibility of law enforcement efforts. According to the experience of developed countries to establish a social credit system, clearly define and establish authority. Which gradually improve the government's credit monitoring and management system, monitoring the market fair competition among economic agents is essential. In addition, industry associations should also strengthen self-management and other private organizations to develop industry standards, practitioners standards, and a variety of guild regulations. Coordinate various aspects of industry and government relations. In short, by strengthening legislation and enforcement of credit. Severe punishment from the system, combating crime, lack of credit, particularly in the area of corporate and financial crime, lack of credit. This is fundamental. (Vi) improve the predictability of credit non-performing assets and credit risk as defined by the sensitivity of early warning systems. Commercial banks as financial intermediaries, should be duty-bound to strengthen their own management and credit loss prevention. State-owned commercial banks to control risks, in terms of ethics, competence, financial system innovation. Or in the system construction process and all aspects of the system are greatly improved to enhance the room. In particular, still lack a comprehensive, reliable coverage of the data breach and loss of data, lack of adequate return test results, monitoring is difficult to keep up on the credit risk management early warning prompts fall far short of the requirements, the lack of sufficient and reliable information, lack of credit will be difficult to involve the prevention. Improve the pre-defined credit non-performing assets and credit risk of the sensitivity of early warning systems are effective in preventing and resolving possible lack of credit to enhance the ability of banks against credit loss. So how to improve the predictability of lack of credit facilities? To the Agricultural Bank, the main gatekeepers from monitoring, quantitative analysis, risk management, early warning and strict staff, careful control and management of lack of credit. Is to establish specific credit loss related to the various business types and business aspects of the management system and practices, further establishing the separation of loan approval credit management and the strengthening of credit facility authorized to manage and improve the internal credit rating system. Strengthen financial and other quantitative analysis of key indicators. Full implementation of the loan classification management. Credit risk early warning system established by the customer, industry, region, products, continuous risk monitoring and analysis, timely early warning information for the credit operation and management decisions. Author: Agricultural Bank of Hubei Branch Audit
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