近年来，中国建设银行福建省分行在向商业化转轨过程中，始终把防范和化解信贷资产风险作为经营管理的重要环节，坚持增量和存量并重，预防为主，化解为辅的指导思想，努力提高信贷决策水平，切实加强不良贷款催收，信贷资产质量一直保持较好水平，为实现稳健经营、提高经济效 In recent years, the branches of Fujian Provincial Branch of China Construction Bank have always regarded the risk prevention and resolution of credit assets as an important part of their operations and management during the transition to commercialization. They insisted on the guiding principle of paying equal attention to both increment and stock, prevention and supplementation, Efforts to improve the level of credit decision-making, and earnestly strengthen the collection of non-performing loans, the quality of credit assets has maintained a good level, in order to achieve sound management, improve economic efficiency