【作者】 张镐；

【导师】 王东阳；

【作者基本信息】 延边大学 ， 中国少数民族经济， 2003， 硕士

【摘要】 改革开放以来，延边商业银行得到了长足的发展，为延边的经济建设发挥了巨大的作用。但是，由于体制、历史、现实、内外部等原因，出现了许多潜在风险问题。随着金融体制改革的深化，防范与化解金融风险已成为金融界所关注的焦点问题。而金融风险问题的核心是贷款风险问题。 目前，金融机构的问题贷款已成痼疾，恶意、悬空、逃废、拖欠，甚至拒不偿还金融债务的现象屡见不鲜，有相当一部分企业在改制前存在拖欠金融机构贷款行为，改制后对金融债务没有落实，维护原状，甚至个别企业借改制之机逃废债务，致使金融机构的问题贷款不断增长。面对不规范的改制行为，为有效保护金融债权，确保信贷资产安全，防范和化解金融风险。这就需要政府、企业、银行及其他职能部门的共同努力，通过不断加强自我定位，认真履行部门职能，完善各自责任行为，甚至依法来实现。 延边商业银行的信贷资产规模大，但质量差，旧的贷款风险尚未消除，新的贷款风险又已出现。只有深入地挖掘问题资产形成的原因，才能对症下药，逐渐化解。更多还原

【Abstract】 Since the reform and opening up of our country, Yanbian Commercial Bank has made considerable progress in the business, contributed a lot to the economic construction of Yanbian. But, due to many systematic, historic, actual, internal and external reasons, there are many potential risks. With the gradually deepening of the financial system reform, the prevention and resolving of the financial risk is the key point concerned by the financial field. The core of the financial risk is the loan risk problem.At present, the dead loan problem of the financial institutions has become the largest problem, the willful un-repaying, escape repaying, delay repaying and no-repaying occurs nearly in every financial institutions. Before the systematic reform of the financial institutions, many enterprises hadn’t repaid the loan to the financial institutions, and many of then haven’t repaid it even after the systematic reform, and the problem loans maintained the former state. Some enterprises want to escape the loans during the systematic reform of the financial institutions, this caused the problem loan of the financial institutions increases continuously. Before the non-standard systematic reform, in order to protect the financial liabilities, to ensure the safety of the credit assets, to prevent and resolve the financial risks, this need the government, enterprises, banks and other functional organizations to work together, through the continuous self positioning, to carry out the functions of every parts, to complete the self responsibility behaviors, to realize it according to the law.Yanbian Commercial Bank has large scale of credit assets, but the quality is not very high, the old loan risk hasn’t been resolved, and the new loan risks appear again. Only we deeply discover the reason of causing the problem assets, can we treat it according to the respective cases, to resolve all the financial risks.更多还原