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试根据贷款管理三性原则之间的相互关系,论述银行贷款风险管理的重要作用。

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正确答案:

(1)贷款风险分类管理是识别贷款风险的需要银行贷款风险的基本特征是具有内在风险性。从银行角度来讲,存款到期一定要支付,而贷款到期不一定能收回,这种“硬负债软资产”决定了银行贷款从发放之日起就面临着倒账的风险。

(2)货款风险分类管理是银行稳健经营的需要银行具有与生俱来的风险,银行要在风险环境中求生存、谋发展,就必须稳健经营。而银行要稳健经营,将贷款风险控制自身所能承受的范围内,就必须建立完善的贷款风险防范和化解机制。

(3)贷款风险分类是完善银行呆账准备金制度的需要实行贷款风险五级分类要求参照国际惯例,根据贷款的质墨和风险程度计提相应的呆账准备金,并根据贷款的损失程度适时予以核销。而我国银行长期以来,由于各种原因使贷款呆账准备金的提取比例低,造成呆账准备金严重不足,而且银行缺乏核销贷款呆账的自主权,从而加大了银行的风险隐患。

(4)贷款风险分类是培育信贷文化的需要信贷文化是各家银行长期形成的,对信贷业务进行全程管理的经营理念、价值取向、基本思路、操作规程、运行机制的总和,它对一家银行的信贷管理质量具有决定性作用。

(5)贷款风险分类管理是监管机构加强金融监管的需要银行监管机构要对银行实行有效监管,除通过非现场检查,对银行的信贷资产质量进行监控外,还要通过现场检查,对银行的信贷资产质量作出评估。

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