国有商业银行最为突出的问题是信贷资产质量低劣。改变这种状况,一是要彻底改变经营理念,坚持信贷资产质量第一的经营思想;二是要全方位推进信贷营销,抢占黄金客户资源,发展优质高效资产;三是要彻底清收转化不良资产,打一场抢救信贷资产的“生存保卫战”。 The most prominent problem of state-owned commercial banks is the poor quality of credit assets. Change this situation, one is to completely change the business philosophy, adhere to the credit quality of the first asset management ideas; the second is to promote credit marketing in all directions, to seize the resources of gold customers, the development of high quality and efficient assets; third is to completely clean up poorly transformed Assets, playing a rescue of credit assets, “Survival Battle.”