金融是现代经济的核心。防范和化解金融风险 ,实现金融安全、高效、稳健运行 ,是国民经济健康发展的重要条件。如何提高信贷质量在促进国民经济健康发展中 ,保证金融资产的不断增值 ,是摆在国有商业银行面前的一个重大课题 Finance is the core of the modern economy. It is an important condition for the healthy development of the national economy to prevent and resolve financial risks and achieve financial safety, efficiency and stability. How to Improve the Quality of Credit In the course of promoting the healthy development of the national economy and ensuring the continuous value-added of financial assets, it is a major issue facing the state-owned commercial banks