银行信贷资产质量低下的成因及对策张跃跃，宋爱国信贷资产质量低下是各专业银行普遍存在的一个问题，多年来未得到有效解决，已成为专业银行向商业银行转轨的一大障碍。一、成因１．信贷管理机制不健全、缺乏有效的风险防范。贷款手续不全，违规操作现象比较严重，大部分... Causes and Countermeasures of Low Credit Quality of Banks ZHANG Yue-yue, SONG Ai-guo The low quality of credit assets is a ubiquitous problem among various specialized banks. It has not been effectively solved for many years and has become a major obstacle to the transition of specialized banks to commercial banks. First, the cause 1. Credit management mechanism is not perfect, the lack of effective risk prevention. Loans incomplete procedures, illegal operation is more serious, most ...