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在银行商业化进程中,加强风险防范意识,提高信贷资产质量尤为重要,这也是由商业银行的中介性质和放款业务本身特性决定的。此外,国有商业银行向商业化转轨与建立现代企业制度的目的也是统一的,它将促使企业的产权重组、转让或破产、清偿等,实现企业存量资产的盘活和资源的最佳配置,加速现代企业制度建立的进程。因此,在市场经济条件下,国有商业银行必须牢固树立贷款的商品意识,努力实现信贷资金的流动性、效益性和安全性。1、国有商业银行要积极主动地参与支持企业转机改制的全过程,做好改制企业银行贷款的重新落实工作,做到积极参与企业的资产清理、评估,参与企业改制方案的制定,
In the process of bank commercialization, it is especially important to strengthen the awareness of risk prevention and improve the quality of credit assets, which is also determined by the intermediary nature of commercial banks and the nature of loan business itself. In addition, the purpose of state-owned commercial banks to transform their businesses and establish modern enterprise systems is also unified. It will promote reorganization, transfer, bankruptcy and liquidation of enterprises so as to realize the activation of enterprises’ stock assets and the optimal allocation of resources, accelerate the development of modern The establishment of the enterprise system process. Therefore, under the conditions of a market economy, the state-owned commercial banks must firmly establish the commodity awareness of loans and strive to realize the liquidity, profitability and safety of credit funds. 1. State-owned commercial banks should take the initiative to participate in the whole process of supporting the transformation of enterprises and do a good job in re-implementing the restructuring of corporate loans so that they can actively participate in the liquidation and evaluation of enterprises, participate in the formulation of enterprise restructuring plans,