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在金融体制改革进程中,由于旧的思想观念的束缚,一些金融决策者还未真正树立起商业银行观念,缺乏市场、竞争、风险、服务、效益意识和开拓创新的改革精神,极大地束缚了金融业的发展进程,使整体信贷资产质量与效益不适应经济的发展,突出显露出金融改革滞后,给金融业提出一个非常明确的任务目标——切实加大信贷资产质量与效益运行管理的力度,牢固树立以效益为目标的指导思想和具有超前、风险的意识及健全的决策机制。
In the process of the reform of the financial system, due to the shackles of the old ideas and concepts, some financial policymakers have not really established the concept of commercial banks. They lack the reform spirit of market, competition, risk, service, awareness of efficiency and blaze new trails. The development of the financial industry has made the quality and effectiveness of the overall credit assets not suited to the development of economy. It highlights the lag in financial reform and puts forward a very clear mandate to the financial industry - earnestly intensifying the operation and management of the quality and efficiency of credit assets , Firmly establish the guiding ideology with the goal of efficiency as well as advance awareness, risk awareness and sound decision-making mechanism.