当前,信贷资产质量低,资产周转缓慢,贷款收息率低,经营效益差是专业银行普遍存在的问题。这些问题的形成,既有直接原因,又有间接原因。直接原因表现在:1.不能正确处理专业银行国家所有和商业化经营的关系。由于不能正确认识这一问题,导致了专业银行信贷投向上的不准确,贷款不能按期收回,造成国家资源的浪费和财产的损失。比如:过去一味强调中行对外贸企业作用,甚至一度地对外贸贷款率作为一项考核指标,要求对外贸贷款必须达致80%或90%以上,结果,随着外贸体制的改革,形势发生急剧变化,使基层行的外贸贷款大部分变成呆滞。2.不能正确处理增量的关系, At present, the quality of credit assets is low, asset turnover is slow, loan interest rates are low, and poor operating efficiency is a common problem for specialized banks. The formation of these problems has both direct and indirect reasons. The direct causes are as follows: 1. The relationship between all state-owned commercial banks and commercial banks in specialized banks can not be properly handled. The failure to correctly understand this issue has led to the inaccuracy in the credit orientation of specialized banks. The loans can not be recovered on schedule, resulting in the wastage of state resources and the loss of property. For example, in the past, they always emphasized the role of the Bank of China in foreign trade enterprises and even once used the loan-to-foreign-loan ratio as an evaluation indicator to require loans to foreign trade to reach 80% or above. As a result, with the reform of the foreign trade system, the situation has rapidly changed Changes made most of the grass-roots foreign trade loans become sluggish. 2. can not correctly handle the relationship between incremental,