银行信贷资产质量下降的原因:一是贷款企业经营管理水平差.产品无市场、无力还贷,盈利与还贷不成比例,债信观念差,逃避银行的信贷监督;二是银行内部受传统体制制约和行政干预,缺少自主经营权,加上信贷粗放经营状况没有根本改变;三是信贷人员不足,素质差,提出提高信贷资产质量的六项对策。 The reasons for the decline in the quality of bank credit assets are as follows: First, the operating and management level of loan enterprises is poor; the products are not marketable, unable to repay their loans; the profits are not disproportionate with repayments; the bad credit beliefs evade the bank’s credit supervision; second, Restrictions and administrative intervention, the lack of autonomy in operation, coupled with the extensive operation of credit conditions has not fundamentally changed; Third, lack of credit officers, poor quality, put forward six measures to improve the quality of credit assets.