近年来,信贷资产质量问题已成为制约银行业务发展和经营的瓶颈之一。为此,自去年以来我行与各家国有商业银行按照国家的统一部署开始了对不良资产的剥离工作,以期达到改善资产结构,甩掉包袱,增加竞争实力的目的。目前,我行不良资产剥离工作已接近尾声。此次剥离在相当程度上解决了我行的不良资产问题,但是,应该看到此次剥离只是解决了部分不良资产,对剩余部分如何管理,尤其是在不良资产剥离后,如何改善和提高我行信贷资产质量以迎接新一轮市场竞争应是我行面临的重要课题。本文试就这一问题做如下探讨:一、加强贷后管理工作是改善资产质量的重要措施 In recent years, the quality of credit assets has become one of the bottlenecks restricting the development and operation of banking business. To this end, since last year, the Bank and various state-owned commercial banks started the divestiture of non-performing assets in line with the unified national arrangements in order to achieve the objective of improving the asset structure, dumping the burden and increasing the competitive strength. At present, the Bank’s work on divesting non-performing assets is drawing to a close. However, we should see that the divestment only solved part of the non-performing assets, how to manage the rest, especially after the non-performing assets were diverted, how to improve and enhance the Bank’s non-performing assets. The quality of credit assets to meet the new round of market competition should be an important issue facing the Bank. This paper tries to explore this issue as follows: First, to strengthen post-lending management is an important measure to improve the quality of assets