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随着我国市场经济的不断发展,商业银行作为资金融通机构,在国民经济中的中枢地位也日渐确立。贷款业务是商业银行的传统核心业务,也是商业银行的主要盈利资产,是商业银行实现利润最大化目标的主要手段。然而信贷资产又是一种风险较大的资产,故加强对其风险的控制,提高信贷资产质量成为商业银行经营管理的重点。本文秉持事前控制优于事后处理的原则,从基本理论知识出发,简要分析当前商业银行资产质量存在的问题及原因,探寻提高信贷资产质量的途径。
With the continuous development of the market economy in our country, as a financial intermediation institution, commercial banks are also increasingly established in the national economy. Loan business is the traditional core business of commercial banks, as well as the main profit-making assets of commercial banks. It is the main means of realizing the profit maximization of commercial banks. However, credit assets are a kind of risky assets. Therefore, strengthening the control of their risks and improving the quality of credit assets have become the focus of commercial banks’ operation and management. This article upholds the principle that ex ante control is superior to ex post facto. From the basic theoretical knowledge, this paper briefly analyzes the problems and reasons of the current commercial bank asset quality and probes into ways to improve the credit asset quality.