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信贷资产质量问题是目前商业银行经营管理中的一个突出问题。在各家银行不断推出新的方法手段,改善服务,争夺市场的今天,这一问题已成为制约商业银行基层经营单位,特别是老的行部处发展的关键问题。要解决信贷资产质量低、贷款风险大的问题,就必须采取一些资产保全措施。下面就基层经营单位贷款风险的防范和转化问题,谈一点粗浅认识。
The quality of credit assets is a prominent issue in the management of commercial banks. Today, as banks continue to introduce new methods and measures to improve service and compete for the market, the issue has become a key issue restricting the development of grassroots-level business units in commercial banks, especially the old ones. To solve the problem of low quality of credit assets and large loan risks, some asset preservation measures must be taken. The following grassroots units to deal with the risk of loan prevention and conversion issues, talk a little superficial understanding.