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信贷资产质量是商业银行的生命线,是其生存与发展的基础。然而,不良资产不断涌现成为商业银行挥之不去的恶性肿瘤。在此背景下,转变信贷管理理念,导入克劳士比博士的“零缺陷”管理理论对商业银行信贷进行全面资产质量管理显得尤为重要。作为世界质量与组织文化变革管理教育和咨询的领导者,美国克劳士比学院几十年来一直致力于帮助“500强”创建“第一次就做对”的质量文化;在国内,海尔、联想等等企业也都把“零缺陷”作为企业文化的核心,商业银行导入“零缺陷”理论就是对资产运作全过程进行全面质量管理,力求信贷投入的准确性,预防在先,从而无火可救,走出困境。
The quality of credit assets is the lifeline of commercial banks, which is the basis for their survival and development. However, non-performing assets continue to emerge as lingering malignant tumors in commercial banks. Under this background, it is very important to change the concept of credit management and introduce “zero defect” management theory of Dr. Clausius into the comprehensive asset quality management of commercial bank credit. As a world leader in quality and organizational culture change management education and counseling, the United States has been committed to helping the “Top 500” to create a “first-do-right” culture of quality for decades. At home, Haier, Lenovo and so on have also regarded “zero defect” as the core of their corporate culture. The introduction of “zero defect” theory by commercial banks is the total quality management of the entire process of asset operation, with the aim of ensuring the accuracy of credit inputs, preventing prior accidents, Rescued, out of the woods.