随着社会主义市场经济体制的建立和国有商业银行改革的深入 ,工商银行信贷工作中有几个问题确需认真研究。我国加入ＷＴＯ后 ,这些问题将显得更加突出。工商银行要办成真正的商业银行 ,就必须很好地解决这些问题。笔者认为 ,至少有五个问题须认真研究 :一、关于重视和加强资产 With the establishment of a socialist market economic system and the deepening of the reform of state-owned commercial banks, several problems in the credit work of ICBC really need to be studied seriously. After China’s accession to the WTO, these problems will become even more prominent. ICBC to be a real commercial bank, we must be a good solution to these problems. The author believes that at least five issues to be carefully studied: First, on the importance and strengthening of assets