论文部分内容阅读
目前,我国国有商业银行信贷资产质量偏低,不良贷款比例居高不下,资产风险不断增大。这不仅威胁着国有商业银行的稳定和发展,而且必然给国民经济的健康快速发展带来影响。造成国有商业银行信贷资产风险的因素是方方面面的,需综合治理。笔者认为,完善基层行的信贷风险管理体系是提高信贷资产质量的关键环节。 1.加强金融队伍和领导班子建设,提高经营水平和决策能力。一方面提高基层银行信贷人员业务
At present, the quality of credit assets of state-owned commercial banks in China is low, the proportion of non-performing loans is high, and the risk of assets is constantly increasing. This not only threatens the stability and development of the state-owned commercial banks, but also has an impact on the healthy and rapid development of the national economy. The factors that cause the risk of credit assets of state-owned commercial banks are all-sided and require comprehensive management. The author believes that improving the credit risk management system at the grassroots level is a key link in improving the quality of credit assets. 1. Strengthen the construction of financial team and leadership team to improve the operation level and decision-making ability. On the one hand, we should improve the grassroots bank credit personnel business