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不良贷款管理在防控、处置、追责、考核等方面存在诸多难点,应当多角度聚力防控,多措并举促处置,多管齐下抓问责,多维度科学考核,有效破解不良贷款管理难题。不良贷款是金融机构经营好坏的直接反映,也是银行管理的重点。目前,农发行不良贷款管理还存在一些不容忽视的难题,需进一步改进。一、不良贷款管理存在的“四难”(一)防控难到位。主要原因:一是监测系统仍不完善。当前农发行CM2006系统还不能全面反映企业经营和贷款本息逾期状况,不能与人行征信系统、土地拍卖系统等形成有效互补、统一全面的防控体系,管理人员无法及时得到全面、详实、
Non-performing loan management has many difficulties in prevention and control, disposal, accountability and assessment. It should try its best to prevent and control non-performing loans in a multi-angle manner. Promote multi-measures and multi-pronged scientific assessment to effectively crack down on non-performing loans Management problems. Non-performing loans is a direct reflection of the financial institutions operating well, but also the focus of bank management. At present, there are still some problems that can not be ignored in the management of non-performing loans of the Agricultural Development Bank and need to be further improved. First, the existence of non-performing loan management “Four difficulties ” (A) Prevention is difficult to place. The main reason: First, the monitoring system is still not perfect. At present, the system of CM2006 of ADBC can not fully reflect the overdue operation of enterprises and loans, and can not form an effective and complementary unified and comprehensive prevention and control system with PBOC system and land auction system. Administrators can not get comprehensive, detailed,