贷款风险管理是我国专业银行资产风险管理的核心,也是全部风险经营管理的中心环节。要强化信贷资产管理,提高信贷资产质量,专业银行必须做到: 1.实行严格的审贷分离制度和贷款责任制度。实行严格的审贷分离制度的目的一是弱化个人在贷款中的作用,避免“一言堂”;二是淡化个人精力、知识和分析判断能力悬殊造成的影响,发挥群体的作用;三是贷款各环节相互制约,有利于防止权力滥用,特 Loan risk management is the core of asset risk management of our country’s specialized banks as well as the center of all risk management. To strengthen the management of credit assets and improve the quality of credit assets, specialized banks must: 1. Implement a strict separation of credit and lending system and loan liability system. The purpose of implementing a strict system of separation of the loan from the lender is to weaken the role of individuals in lending so as to avoid “making a single speech”; secondly, to dilute the influence caused by the individual’s energy, knowledge and ability to analyze and judge, to play the role of a group; Mutual restraint helps to prevent the abuse of power