信贷资产质量低下的原因翟陈，李延伟一、信贷资产质量存在的问题就信阳县而言，信贷资金占用高，呆滞多，周转慢，效益差。据统计，全县各家银行及其他金融机构信贷资产存量沉淀资金约占信贷资产总量的３５％至５０％。信贷资产的劣化程度严重，已成为制约银行业务发展的... Causes of low quality of credit assets Zhai Chen, Li Yanwei First, the problems of the quality of credit assets As for Xinyang County, credit funds occupy high, sluggish, slow turnover, poor efficiency. According to statistics, the deposits of credit assets of various banks and other financial institutions in the county account for about 35% to 50% of the total credit assets. The serious deterioration of credit assets has become a constraint on the development of banking business ...