加强银行经营管理,提高信贷资产质量已是当务之急,是一项艰巨复杂的系统工程。一方面要转换银行内部经营机制,另一方面要创造一个良好的外部金融环境。一、要理顺政府、银行和企业三者之间的关系。在市场经济中,政府、银行和企业既相互依存,又相对独立。相互依存即是指政府支持银行、银行支持企业、企业支持财政,一着棋活、全盘皆活;相对独立就是要政企分开,建立现代企业制度,政府不干预银行和企业的经营,企业实行自主经营、自负盈亏、自我约束、自担风险的现代企业经营机制,银行要按照商业银行的经营原则来经营管理,贷款有独立决策权,讲求安 Strengthening bank management and improving the quality of credit assets is a top priority and an arduous and complicated system project. On the one hand, we should transform the internal operating mechanism of the bank and, on the other hand, create a good external financial environment. First, to rationalize the relationship between the government, banks and businesses. In a market economy, the government, banks and enterprises are both interdependent and relatively independent. Interdependence means that the government supports banks, banks support enterprises, enterprises support finance, and chess live, and all are living. Relative independence means separating government from enterprises and establishing a modern enterprise system. The government does not interfere in the operation of banks and enterprises. Enterprises implement Self-operating, self-financing, self-restraint, at their own risk management mechanism of modern enterprises, banks should operate in accordance with the principles of commercial banks to operate management, loans have an independent decision-making power,