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提高信贷资产质量是实施效益兴行战略的重点工程。在此,我们根据对株洲市农业银行系统信贷资产质量的调查,谈点粗浅看法: 一、改善信贷资产质量是农业银行向商业银行转轨的一项十分紧迫而艰巨的任务 信贷资产的效益性、安全性、流动性是银行实行商业化经营的根本准则,而农业银行现有的信贷资产状况,却令人十分担忧。 (一)信贷资产创利水平低,效益差。从信贷资产边际业务收入来分析(信贷资产边际业务收入是指最后投入一定的信贷资金与最终业务收入增量的比值关系),株洲市农业银行系统1992—1994年每百元信贷
Improving the quality of credit assets is a key project for the implementation of the PBOC strategy. Here, based on the investigation of the quality of credit assets of Zhuzhou Agricultural Bank system, we talk about the following: First, improving the quality of credit assets is a very urgent and arduous task of agricultural bank credit assets to the commercial banks to transform the effectiveness of credit assets, Security and liquidity are the basic criteria for the commercial operation of banks. However, the existing credit assets of Agricultural Bank of China are of great concern. (1) Low profitability of credit assets and poor profitability. From the marginal business income of credit assets to analyze (the marginal business income of credit assets refers to the final investment in a certain amount of credit funds and the final increase in business revenue ratio), Agricultural Bank of Zhuzhou System 1992-1994 per hundred yuan credit