在我国社会经济生活处于实现“两个根本性转变”的转轨变型时期,银行信贷管理工作必然要遇到许多新情况和新问题,稍有不慎很容易形成信贷资产风险。因此,如何适应“两个根本性转变”的要求,进一步提高信贷管理水平,是当前银行值得探讨和研究的现实问题。笔者认为,银行信贷管理的当务之急是,尽快突破如下六个障碍。一是突破技术性障碍。我国经济转轨变型的新形势,客观上对信贷管理提出了 In the era of transitional transformation in which China’s social and economic life is realizing “two fundamental transformations,” bank credit management must inevitably encounter many new situations and problems, and the slightest mistake can easily form the risk of credit assets. Therefore, how to meet the requirements of “two fundamental changes” and further improve the level of credit management is a realistic issue worthy of discussion and study at present. The author believes that the priority of bank credit management is to break through the following six obstacles as soon as possible. First, break through technical obstacles. The new situation of the transformation of our economy is objectively proposed for credit management