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分析信贷资产的现状和成因,开展信贷资产合规性、风险性、效益性的监督管理,实现提高信贷资产质量的目标,对于维护金融秩序,促进金融改革具有重要的现实意义。 一、信贷资产质量的现状 市场经济的发展,国家银行向商业银行的转变,确定了银行必须面向市场,追求经济效益最大化,这就为银行的发展提供了一次机遇。但是,由于
Analysis of the status quo and causes of credit assets to carry out supervision and management of compliance, risk and profitability of credit assets to achieve the goal of improving credit asset quality is of great practical significance for maintaining financial order and promoting financial reform. First, the status quo of the quality of credit assets The development of market economy, the state bank to commercial banks, to determine the bank must face the market, the pursuit of maximizing economic benefits, which provides an opportunity for the bank’s development. But due to