商业银行是以经营存、贷、汇为主要业务,以资金的效益性、安全性、流动性为主要经营原则,以追求利润最大化为经营目标的金融企业.既然是企业,就有它固有的自身的经济利益.信贷资产的收入是银行收入的主要来源.信贷资产质量是银行的生命.为此:一、商业银行要坚持以“四自”经营机制和资金“三性”为原则,坚持依法经营《商业银行法》第四条明确指出:“商业银行以效益性、安全性、流动性为经营原则,实行自主经营、自担风险、目负盈亏、自我约束”.“银行开展业务不受任何单位和个人的干涉”.这些法律条文非常明确地规范了保障商业银行提高信贷资产质量的经营行为.据此,商业银行要坚持依法经营,按照“四自”经营机制和资金“三性”原则依法放贷,依法实行有担保的抵押贷款;依法实行贷前审查、审贷分离;依法实行资产负债比例管理;依法收贷收息,把追求利润最大化的自身效益和社会效益有机地统一起来.牢固树立法律意识,将法律手段引入银行经营管理机制中,认真执行《商业银行法》、《中国人民银行法》、《票据法》、《担保法》、《贷款通则》等法律法规.商业银行应建立内部自身的法律机构,配备既懂经济、金融,又懂法律的干部,依法对不良贷款区别情况,进行处理. Commercial banks take the management of deposit, loan and exchange as the main business, taking financial efficiency, safety and liquidity as the main business principles, and pursuing the profit maximization as their business objective. Since it is an enterprise, it has its inherent Of its own economic interests.Credit asset income is the main source of bank income.Credit asset quality is the life of the bank.To this end: First, commercial banks should adhere to the “four since” operating mechanism and capital “three” principle, Article 4 of the Law on Commercial Banks, which insists on operating according to law, clearly states: “Commercial banks shall practice their own operations, take their own risks, take profit and loss and exercise self-restraint in the principle of profitability, safety and liquidity.” “ Without any interference by any unit or individual. ”These laws and regulations very clearly regulate the business activities that guarantee the commercial banks’ efforts to improve the quality of their credit assets. Therefore, commercial banks should adhere to the principle of operating according to law and according to the“ four self- Sexual ”principle of lending in accordance with the law, the implementation of secured mortgages in accordance with the law; according to the law before the implementation of pre-loan review, separation of trial and approval; according to the implementation of the asset-liability ratio management; Income collection and lending, the pursuit of profit maximization of their own effectiveness and social benefits organically unified firmly establish legal awareness, the legal means into the banking management mechanism, conscientiously implement the “Commercial Bank Law”, “People’s Bank of China Law” , “Law of Negotiable Instruments”, “Guarantee Law”, “General Rules for Loans”, etc. Commercial banks should set up their own legal institutions and be equipped with cadres who understand both economy and finance as well as the law, and make laws to differentiate non-performing loans according to law deal with.