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信贷担保制度不健全。地方政府片面追求GDP增长率，对一些GDP贡献率较高但不符合贷款条件的企业，或由地方政府出面或由其提供担保，行政干预银行发放贷款，这些贷款几乎都演变成...
信贷担保制度不健全。地方政府片面追求GDP增长率，对一些GDP贡献率较高但不符合贷款条件的企业，或由地方政府出面或由其提供担保，行政干预银行发放贷款，这些贷款几乎都演变成不良贷款。信贷审批和担保制度的不健全使不法分子有机可趁，恶意骗贷事件时有发生。
虽然无法仅依据数据就断言借款人提供虚假材料，但应该对这些可疑的迹象详加考察。如果信贷人员忽略了这些可疑迹象，就会高估借款人的信用品质，从而发放高风险的贷款.。
通过不良资产证券化，可以将流动性较差的不良资产转化为在市场上交易的证券，在不增加负债的前提下，商业银行可以获得一块资金来源。从商业银行资产负债管理的角度看，不良资产证券化能够加快银行资产的周转，提高资产的流动性。 展开
虽然无法仅依据数据就断言借款人提供虚假材料，但应该对这些可疑的迹象详加考察。如果信贷人员忽略了这些可疑迹象，就会高估借款人的信用品质，从而发放高风险的贷款.。
通过不良资产证券化，可以将流动性较差的不良资产转化为在市场上交易的证券，在不增加负债的前提下，商业银行可以获得一块资金来源。从商业银行资产负债管理的角度看，不良资产证券化能够加快银行资产的周转，提高资产的流动性。 展开
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信贷担保制度不健全。地方政府片面追求GDP增长率，对一些GDP贡献率较高但不符合贷款条件的企业，或由地方政府出面或由其提供担保，行政干预银行发放贷款，这些贷款几乎都演变成不良贷款。信贷审批和担保制度的不健全使不法分子有机可趁，恶意骗贷事件时有发生。
The credit guarantee system is not sound. Local government one-sided pursuit of GDP growth, to a few taller but does not conform to the contribution of GDP credit conditions enterprises, or by local government to provide guarantee, or by the administrative intervention bank lending, these loans almost all evolved into bad loans. Credit guarantee system of examination and approval, the imperfection of made outlaws organic while, malicious lie can borrow incidents.
虽然无法仅依据数据就断言借款人提供虚假材料，但应该对这些可疑的迹象详加考察。如果信贷人员忽略了这些可疑迹象，就会高估借款人的信用品质，从而发放高风险的贷款.。
Although not merely on data concluded that the borrower to provide false materials, but should to these suspicious signs inspect pay. If credit personnel ignore these suspicious signs, will overestimate the borrower's credit quality, thereby extend high-risk loans.
通过不良资产证券化，可以将流动性较差的不良资产转化为在市场上交易的证券，在不增加负债的前提下，商业银行可以获得一块资金来源。从商业银行资产负债管理的角度看，不良资产证券化能够加快银行资产的周转，提高资产的流动性。
Through bad asset securitization, can will with poor fluidity of bad assets into market securities, without any increase in debt, under the precondition of commercial Banks can obtain a capital source. From the commercial bank assets and liabilities management perspective, bad bank asset securitization up to speed up the turnover, enhancing the asset liquidity.
谢谢 希望你对我的回答能满意！
The credit guarantee system is not sound. Local government one-sided pursuit of GDP growth, to a few taller but does not conform to the contribution of GDP credit conditions enterprises, or by local government to provide guarantee, or by the administrative intervention bank lending, these loans almost all evolved into bad loans. Credit guarantee system of examination and approval, the imperfection of made outlaws organic while, malicious lie can borrow incidents.
虽然无法仅依据数据就断言借款人提供虚假材料，但应该对这些可疑的迹象详加考察。如果信贷人员忽略了这些可疑迹象，就会高估借款人的信用品质，从而发放高风险的贷款.。
Although not merely on data concluded that the borrower to provide false materials, but should to these suspicious signs inspect pay. If credit personnel ignore these suspicious signs, will overestimate the borrower's credit quality, thereby extend high-risk loans.
通过不良资产证券化，可以将流动性较差的不良资产转化为在市场上交易的证券，在不增加负债的前提下，商业银行可以获得一块资金来源。从商业银行资产负债管理的角度看，不良资产证券化能够加快银行资产的周转，提高资产的流动性。
Through bad asset securitization, can will with poor fluidity of bad assets into market securities, without any increase in debt, under the precondition of commercial Banks can obtain a capital source. From the commercial bank assets and liabilities management perspective, bad bank asset securitization up to speed up the turnover, enhancing the asset liquidity.
谢谢 希望你对我的回答能满意！
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