加强银行债权管理保全信贷资产的难点及对策祁秉德管培健银行债权管理，实质上是银行保全信贷资产，并能按期完整收回的经营操作过程。一、当前加强银行债权管理，保全信贷资产的难点。１．受行政干预，信贷资产难以保全。我国国有商业银行的总行是对外的统一法人，金融产... Strengthening the Bank’s Credit Management Difficulties and Countermeasures in Preserving Credit Assets Qi Bingde, Guan Peijian Bank’s debt management is essentially a bank operation and operation process that preserves credit assets and can be fully recovered on schedule. First, at present, it is difficult to strengthen credit management of banks and preserve credit assets. 1. Subject to administrative interference, credit assets are difficult to preserve. The head office of China’s state-owned commercial banks is a unified foreign legal person, financial ...