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文章对完善国有商业银行信贷管理提出了如下四点建议:一、改变经营理念,强化市场调控,正确处理好业务发展和风险管理的关系;二、完善信贷风险评价体系,切实强化贷款风险的全程控制;三、加强对续存不良资产的清收和保全,实现绝对额的迅速缩小和促进不良资产的转化;四、加强现有信贷资产管理,防范新的不良资产产生,促进现有信贷资产的良性循环。
The article makes four suggestions on how to perfect the credit management of the state-owned commercial banks: First, to change the business philosophy, strengthen market regulation and properly handle the relationship between business development and risk management; Second, improve the credit risk evaluation system so as to effectively strengthen the entire credit risk Third, to strengthen the recovery and preservation of non-performing assets continued to achieve rapid reduction of the absolute amount and to promote the transformation of non-performing assets; Fourth, to strengthen the management of existing credit assets to prevent the emergence of new non-performing assets, and promote the existing credit assets A virtuous circle.