Social Practice Report of College Students' Winter Holiday Bank

During the winter vacation, I went to the Industrial and Commercial Bank of Rushan City, Shandong Province, and practiced some problems.

First: the bank's stay and bad debt rate is too high. According to the Basel Accord, the capital adequacy ratio is 8%, and the bank has reached 48%. The main reason for the investigation is that the bank's loan recovery rate is very low. The state-owned enterprises accumulated in previous years have defaulted on the old accounts

In recent years, in the process of reforming state-owned enterprises, banks have been affected by the previous years. They have not dared to lend too much, and the bad debt rate is too high, which makes banks afraid to lend unsecured credit loans blindly. The credit currency creation system is to a large extent. Everyone knows that the bank is the core of the economy, and the core is blocked. It will inevitably curb the development of the economic sector, such as insurance and securities industry. It will also adversely affect the reform of state-owned enterprises and form a vicious circle. Of course, the solution is yes. .

First of all, at the source, the most important thing is to solve the reforms of large, medium and small-sized enterprises, and the specific measures for reform. It is necessary for local governments at all levels to adapt to local conditions, learn from the successful experience of some enterprises, and hire professional economists and consultants. Enterprises reassess, inspect, find solutions and measures, enterprises are the most crucial part of the solution, state-owned enterprises have been reformed, and the problem of reinstated laid-off workers has been solved naturally. Workers have money, consumption is naturally strong, and domestic demand is naturally easy to solve. The economic growth rate has naturally increased, and the bank's loans can naturally be repaid.

Second: private enterprise loans are difficult to implement. With the implementation of mortgage loans and mortgage loans, housing and car loans are in full swing, mainly due to the guarantee of property rights. Exceeding the creditor's rights, when the lender is unable to repay the loan, the bank has the right to dispose of the collateral, so that the bank naturally increases the loan strength and actively lends money. It is natural for the housing and car loan in China to increase rapidly. The development of industries related to automobiles, steel and building materials has played a positive role in promoting.

However, this does not solve the fundamental problem of excessive bank bad debt rate and high operational risk. After all, the number of loans is limited and the scale is small. Now Sunan and Zhejiang are popular in lending to private enterprises, and banks around the world actively learn from experience. It may not seem feasible:

1. There are good private enterprise management atmospheres in Jiangsu and Zhejiang provinces. There are very few small and medium-sized state-owned enterprises. Many people are willing to be private bosses. In addition, personal credit is high, and bank credit loans can be repaid in time, but whether other regions have this The atmosphere is hard to say.

2. Among the four major factors of microeconomics, labor, land, capital, and entrepreneurial talents are difficult to define. That is to say, when deciding a certain loan, who is more talented?

Only when the enterprise develops to a certain scale and has a tendency to expand upwards, or if the entrepreneur has a high reputation before, the bank is likely to issue it. However, how is this situation defined?

It can be said that there are many difficulties, and rent-seeking behaviors often occur, resulting in low efficiency of money supply and unfair competition. Moreover, the elimination rate of private enterprises is too high, but the Jiangsu and Zhejiang regions are different. As I said before, there are already good legends in that place, not to mention the large private enterprises.

"Wenzhou mode" and "Sunan mode", which made me think of economists quickly, not only to carry out some qualitative analysis, but more importantly, to design some practical quantitative analysis. In the above example, such as establishing a set The standard system in line with China's reality, including the assessment of the future of the enterprise, the evaluation of the individual talents of the entrepreneur, and the evaluation of the entrepreneur's reputation combined with the evaluation of the evaluation parameters of the developed countries

Many economists only do general discussions, but do not do more sophisticated, more detailed, more detailed calculations and investigations. I think this is also an important reason why economics is not as practical as mathematics and physics in life!