文档介绍：对我国现今存款保险制度设计研讨
摘要:贷款趋同,的发展趋势。目前,银行业金融机构在贷款营销中竞相投入国家产业政策扶持发展的行业,政策性银行、国有商业银行以及股份制银行都在积极地跟进大客户,搞同质性竞争,没有实现差异化发展,银行贷款趋同现象较为突出,。
关键词:存款保险;保险制度;银行授信业务
Abstract: The convergence of loans, financial institutions, is the marketing of credit and loans into the show the same trends. At present, the banking financial institutions in the loan input peting in the national industrial policy to support the development of the industry, policy banks, state-mercial banks, as well as joint-stock banks are active in the follow-up to major clients, and engage in the petition, there is no difference in the achievement of development , Bank loans convergence is more prominent, should attach great importance to and take corresponding measures to guard against possible risks.
Key words: deposit insurance; insurance system; bank credit business
一、贷款趋同现象成为银行授信业务的一个显著特点
从内蒙古自治区的情况8 tt t 8. com看,金融机构授信大客户主要集中在工、农、中、建4家国有商业银行和国家开发银行及交通银行。贷款趋同的现象主要表现在dd dtt. com以下几个方面客户主要集中在4家国有商业银行。截至2004年9月末,上述6家银行授信大客户共有181户,,,占其各项贷款总额的 %,其中:4家国有商业银行支持的大客户166家,%;,占大客户总授信额度的 %;,%。二是贷款在客户、行业和地区间的集中度较高。9月末,,%,%。国家开发银行大客户贷款占该行贷款余额之比达 %。从行业分布看,主要集中在电力、交通、煤炭、通讯等行业,,%,%。从地区分布看,主要集中在呼和浩特、包头、鄂尔多斯3个经济较为发达的地区,