以物抵贷作为一种清收不良贷款的方法,自90年代开展以来先后经历了摸索、完善、规范的过程,目前已成为管理规范、制度健全、效果明显的清收方式。今年,工商银行对以物抵贷资产采取了非常谨慎的态度,表现为上级行要求195科目余额按比例压缩,不得突破控制计划。上级行出台这项政 As a method of collecting non-performing loans, it has gone through the process of exploring, perfecting and standardizing since it was launched in 1990s. Nowadays it has become a clear collection method with standardized management, sound system and obvious effect. This year, ICBC took a very cautious attitude toward the asset-credit loan. It shows that the upper-level banks require that the balance of 195 subjects should be proportionally reduced and the control plan must not be exceeded. Higher authorities introduced this government