目前,银行信贷资产质量不高,突出表现在企业呆帐、呆滞和逾期贷款占用数量多,并呈直线上升趋势,使银行信贷资金周转受阻,严重影响资金正常运转,威胁着信贷资金的安全,一部分行、处出现了联行清算和现金支付困难。由于企业大量的欠息,使银行亏损面逐年扩大,资金正常运转陷入窘境。针对当前信贷资产质量日益下降的情况进行分析,笔者认为提高信贷资产质量的途径有以下几个方面:一、银行必须拥有独立的经营自主权。要依照《商业银行法》开展业务,贷款不受任何单位和个人的干涉,避免“长官意志”和行政干预对银行自主经营的干扰,让银行自主地执行国家信贷政策、产业政策,择优选择贷款对象;银行信贷资金投放要自觉做到贷与不贷看市场,贷多贷少看销路,以市场需求为依据,决定贷与不贷,贷多贷少,杜绝人情贷款。二、深化企业改革,综合治理不良信贷资产。第一,要加速企业科技开发,增加科技投入和注重科学管理,从挖掘企业效益的根本点来稳步提高银行贷款资产质量,遏制贷款 At present, the quality of bank credit assets is not high, which is manifested in the bad debts of enterprises, the sluggish and overdue loans, which take up a large amount and show a straight upward trend, which impedes the smooth flow of bank credit funds and seriously affects the normal operation of funds, threatening the safety of credit funds, At some banks, there was a problem with clearing and cash payments at the Bank. Owing to the large amount of interest owed by enterprises, the bank’s loss-making scale has been expanded year by year and the normal operation of funds has been put in a dilemma. In view of the current decline in the quality of credit assets are analyzed, I believe that ways to improve the quality of credit assets in the following areas: First, the bank must have an independent operating autonomy. To carry out business in line with the “Commercial Bank Law,” loans will not be interfered by any unit or individual, and will not interfere with the autonomous management of banks by the “executive will” and enable the banks to independently implement the state’s credit policies, industrial policies and preferential policies Select the loan object; Bank credit funds to be committed to lending and not credit the market, credit and credit less see sales, market demand as the basis, decided to lend and not lending, lending and more, to eliminate human loans. Second, deepen enterprise reform, comprehensive management of bad credit assets. First, we must accelerate the development of science and technology in enterprises, increase investment in science and technology and focus on scientific management. We should steadily improve the quality of bank loan assets from the fundamental point of tapping the benefits of enterprises and curb loans