对不良资产进行剥离,是农业银行进一步深化改革、提高经营效益所采取的一项重大举措,也是着眼金融全球化以及中国加入WTO以后迎接外资银行的挑战,提高整体竞争实力做出的必要准备。但是,由于不良资产剥离具有严格的政策界线和制度规定。目前,农业银行的信贷资产质量仍不容乐观,改善信贷资产质量、提高信贷经营效益依然任重道远。 The stripping of non-performing assets is a major move taken by the Bank to further deepen the reform and enhance its operating efficiency. It is also a necessary measure to focus on financial globalization and China’s accession to the WTO to meet the challenges posed by foreign-funded banks and enhance overall competitiveness. However, due to the stripping of non-performing assets has strict policy boundaries and system requirements. At present, the quality of credit assets of Agricultural Bank is still not optimistic. It is still a long way to go to improve the quality of credit assets and improve the efficiency of credit operations.