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以贷款风险分类为核心的信贷资产质量管理是巴塞尔新资本协议的要求,也是当今银行业的通行做法。它作为银行经营管理的重要内容,贯穿于信贷风险管理的全过程,是制定各项信贷风险管理制度的重要依据。现结合农发行业务实际,从思想认识、制度建设、信息系统、人员素质四个方面,谈谈对信贷资产质量管理工作的理解和认识。
The quality management of credit assets, which is based on the loan risk classification, is a requirement of the New Basel Capital Accord and is the common practice of the banking industry today. As an important part of bank operation and management, it runs through the whole process of credit risk management and is an important basis for formulating various credit risk management systems. Now with the actual business of the Agricultural Development Bank, from the ideological understanding, system construction, information systems, personnel quality four aspects, talk about the understanding of the quality of credit asset management and understanding.