信贷资产质量是商业银行的生命线,是其生存与发展的基础。然而,不良资产不断涌现己成为困扰商业银行业务发展挥之不去的恶性“肿瘤”。在此背景下,转变信贷管理理念,导入美国克劳士比博士的“零缺陷”管理理论,对商业银行进行全面资产质量管理尤为重要。作为世界质量与组织文化变革管理教育和咨询的领导者,美国克劳士比学院几十年来一直致力于帮助“500强”创建“第一次就做对”的质量文化。在国内,海尔、联想等企业也都把“零缺陷”作为企业文化的核心。商业银行导入“零缺陷”理论就是对资产运作全过程进行全面质量管理,预 The quality of credit assets is the lifeline of commercial banks, which is the basis for their survival and development. However, the continuous emergence of distressed assets has become a malignant “tumor” that has troubled the development of commercial banking. Under this background, it is particularly important for commercial banks to conduct a comprehensive asset quality management by changing the concept of credit management and introducing the “zero defect” management theory of Dr. Clausborough. As a world leader in quality and organizational culture change management education and consulting, the Clover Institute in the United States has for decades been dedicated to helping the “Top 500” create a quality culture that “fits for the first time.” At home, Haier, Lenovo and other companies also have “zero defect” as the core of corporate culture. Commercial banks to introduce “zero defect” theory is the entire process of asset management total quality management, pre