在利润增长放缓、不良贷款连续反弹的背景下,国内商业银行调整自身经营战略与管理模式尤为迫切。信贷资产是国内商业银行资产的主要构成部分,信贷管理转型自然地成为银行整体转型的重点。那么,如何看待商业银行信贷管理转型、怎样转型,成为当前银行业必须回答的问题。信贷管理转型日益迫切目前,传统以事中、事后为主的信贷管理方式已经不适应经营形势的变化,亟待转变。宏观经济金融形势方面,国际经济 Against the backdrop of a slowdown in profit growth and a continuous rebound in non-performing loans, it is particularly urgent for domestic commercial banks to adjust their business strategies and management models. Credit assets are the major components of the assets of domestic commercial banks. The transition of credit management naturally becomes the focus of the overall restructuring of banks. So, how to treat the commercial bank credit management transformation, how to transition, has become the current banking industry must answer the question. Credit management transformation is becoming increasingly urgent At present, the traditional credit management mode, which is based on the facts and afterwards, has not adapted to the changes in the business situation and needs to be changed urgently. Macroeconomic aspects of the financial situation, the international economy