在当前乃至今后很长一段时期,信贷资产是农业银行占绝对优势比重的主要资产,信贷业务始终是农业银行的主体业务,信贷资产的质量优劣和收益高低从根本上决定了农业银行的兴衰成败与生死存亡。目前不良资产占比过高正是制约着农业银行提高经营效益,保障金融安全的主要瓶颈。农业银行资产质量低下,而且在局部地区还有进一步恶化之势,从表面上看,主要是由于专业银行时期职责分工的先天不足和历史沉淀形成的。但究其根源是在于农业银行陈旧的经营理念、低劣的客户结构、过时的营销方式和落后的管理机制。要 At present and for a long time in the future, credit assets are the main assets of Agricultural Bank of China accounting for the absolute predominance. Credit business has always been the main business of Agricultural Bank of China. The quality of credit assets and the level of returns fundamentally determine the rise and fall of Agricultural Bank Success and failure and life and death. At present, the over-high proportion of non-performing assets is the main bottleneck restricting the efficiency of agricultural banks in enhancing their operating efficiency and ensuring financial security. The low quality of assets of Agricultural Bank of China, but also in some areas there is further deterioration of the situation, on the surface, mainly due to professional bank division of responsibilities during the birth of the inherent deficiencies and history formed. However, the root cause lies in the obsolete business philosophy of Agricultural Bank, poor customer structure, outdated marketing and outdated management mechanism. want