摘要
受国内外宏观经济环境的影响,近几年商业银行资产质量出现下降趋势,陕西省地方法人机构也出现不良贷款快速上升的情况。本文以陕西省农村信用社为例,借助数学模型分析总结其贷款资产质量迁徙的特征规律,并提出改善地方法人机构信贷资产质量的政策建议。
In recent years, the credit assets quality of the commercial banks presents a deteriorating trend because of the macroeconomic environment at home and abroad. Similarly, the non-performing loans of Shaanxi local corporate financial institutions have also risen rapidly. Taking Shaanxi Rural Credit Cooperatives Union as the example and with the aid of mathematical model, the paper analyzes and summarizes the characteristics of the credit assets quality migration, and provides suggestions to improve the credit assets quality of Local corporate financial institutions.
出处
《西部金融》
2016年第12期88-90,94,共4页
West China Finance
