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中銀保監:未來不良貸款仍然面臨上升壓力
中國銀保監會統計信息與風險監測部負責人劉忠瑞表示,目前經濟恢復不均衡、基礎不穩固,部份企業尤其是小微企業、個體工商戶生產經營仍然面臨一定的困難。由於不良貸款暴露存在一定的滯後性,隨著延期還本付息政策到期,未來不良貸款仍然面臨上升壓力,不良貸款可能進一步增加。

下一步,中銀保監將深入研判風險,掌握風險底數,指導銀行審慎經營、強化風控。督促銀行按照實質重於形式的原則,採取預期信用損失法,充分評估風險,做實資產分類,足額計提撥備。鼓勵銀行統籌做好應對不良貸款反彈的綜合方案,有效運用現金清收、核銷、批量轉讓等手段,進一步加大不良貸款處置。(ta/u)

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