银行是以经营货币为对象的特殊企业,银行信贷资产质量的好坏、贷款风险的高低,不但直接影响经营单位自身的效益,而且将影响到国家金融政策的实施和国家宏观经济的有效运行,这决定了银行提高信贷资产质量,降低贷款风险为主的资产风险管理是现代银行管理的核心之一。那么如何有效地建立起资产风险管理机制呢?一、营造良好的信贷投入环境要提高信贷资产质量,降低贷款风险,必须要使信贷资产的投入有一个好的投入环境。一是真正落实银行的经营自主权。《中国人民银行法》和《商业银行法》颁布实施,从法律上明确了银行的独立经营自主权,这就要求我们坚决贯彻落实,避免任何政府行为,自主执行国家的货币政策、产业政策,择优选择贷款,以确保贷款的高质量。二是要加快同金融体制相配套实行的其他改革措施的贯彻执 The bank is a special enterprise that operates on the currency. The quality of the bank’s credit assets and the level of the loan risk not only directly affect the operating unit’s own efficiency, but also affect the implementation of the state’s financial policies and the effective operation of the national macroeconomy. This determines the bank to improve the quality of credit assets, reduce the risk of loan-based asset risk management is one of the core of modern bank management. How to effectively establish an asset risk management mechanism? First, to create a good credit input environment To improve the quality of credit assets and reduce the risk of loans, we must make the investment of credit assets have a good investment environment. First, to truly implement the bank’s operating autonomy. The promulgation and implementation of the “Law of the People’s Bank of China” and the “Law on Commercial Banks” clearly defined the autonomy of banks in their own operations by law. This requires that we resolutely implement and avoid any government actions and independently implement the state’s monetary and industrial policies, Preferred loans, to ensure the high quality of loans. The second is to speed up the implementation of other reform measures that are compatible with the financial system