当前,我国金融部门在推进“两个转变”的进程中,面临的突出问题就是信贷资产质量较差。如何改善银行部门的信贷资产质量,防范贷款风险,已成为我们亟待研究和解决的课题。本文试从存量和增量两个方面对此作粗浅的研究。 一、从存量看,着重呆滞贷款盘活方面,这是提高信贷资产质量的重中之重 1.采取划线管理策略,切实解决好盘活资金工作中职责不清、“新官不理旧事”的 At present, the prominent problem that our financial sector faces in advancing the “two changes” is the poor quality of credit assets. How to improve the quality of credit assets in the banking sector and prevent loan risks has become an issue that we urgently need to study and solve. This article tries to make a superficial study on the stock and increment from two aspects. First, from the stock market, focusing on the revitalization of idle loans, which is to improve the quality of credit assets top priority 1. Take a crossed management strategy, and earnestly solve the liquidity work unclear responsibilities, “new officials ignore the old things”