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盘活存量信贷的空间测算与路径优化

Analysis of the Space and Path of Revitalizing Credit Stock

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截至2023年12月信贷存量高达238万亿元,已引发产出效率下滑、偿债压力激增等隐患,是盘活存量首当其冲要关注的问题.经测算,未来2-3年,通过存量移位再贷、信贷资产证券化、不良贷款转让与核销等路径的不断优化,存量信贷的年均盘活空间或能达到33-45万亿元规模.商业银行应积极探索"增量+存量"的信贷全生命周期管理,实施"降本+增效"的信贷管理全流程再造,推进"做优+做强"的内涵式发展转型,通过实现自身高质量发展助力金融强国建设.
Up to December 2023,the credit stock reached 238 trillion yuan,which has caused hidden dangers such as decline of output efficiency and debt repayment pressure.It is estimated that in the next 2-3 years,through the continuous optimization of re-lending,credit Asset-backed Securities,non-performing loan disposal,the annual revitalization space may reach 33-45 trillion yu-an.Commercial banks should actively explore the credit life cycle management,implement credit management process reengi-neering,promote the connotative development transformation.

Revitalizing StockCreditCommercial Banks

毛磊、张庆

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中国建设银行研修中心(研究院)

中国建设银行湖北省分行

盘活存量 信贷 商业银行

2024

工程经济
中国建设工程造价管理协会

工程经济

CHSSCD
影响因子:0.481
ISSN:1672-2442
年,卷(期):2024.34(8)