信贷业务在当前和今后一段时期内仍将是我国商业银行的核心业务和主要利润来源,而当前宏观、微观等诸多方面的变化使得银行的信贷经营面临着严峻的挑战。本文从分析江苏工行的信贷经营现状与矛盾问题入手,重点剖析了问题成因和经营形势,在借鉴国外银行经验的基础上,提出我国商业银行信贷经营发展的建议。 Credit business will remain the core business and main source of profit for commercial banks in our country for a long time and in the future. However, the current macroeconomic and micro-economic changes make the credit management of banks face severe challenges. Based on the analysis of the credit management status and contradictions of Jiangsu ICBC, this paper analyzes the causes of the problems and the operation situation of the bank. Based on the experience of foreign banks, this paper puts forward some suggestions on the development of credit management in China’s commercial banks.