工程经济2024,Vol.34Issue(8) :61-66.

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

毛磊 张庆
工程经济2024,Vol.34Issue(8) :61-66.

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

毛磊 1张庆2
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作者信息

  • 1. 中国建设银行研修中心(研究院)
  • 2. 中国建设银行湖北省分行
  • 折叠

摘要

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.

Abstract

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.

关键词

盘活存量/信贷/商业银行

Key words

Revitalizing Stock/Credit/Commercial Banks

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出版年

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
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