管理素质、资产质量与商业银行发展

Management Quality, Asset Quality and the Development of Commercial Banks

有效控制风险,实现效益、质量和规模的协调发展,既是现代商业银行牢固树立和认真落实科学发展观的具体体现,也是每一个商业银行孜孜以求的目标。在商业银行发展过程中,管理始终是主要矛盾,管理素质是银行成长与发展的半径。有管理的发展,才是有效的发展、可持续的发展;质量是商业银行的生命线,缺乏质量的规模,是没有价值的规模;没有质量保证的增长,是没有意义的增长;失去质量基础的发展,是不可持续的发展。

Controlling risks effectively and accomplishing coordinated development of efficiency, quality and scale are not only the concrete embodiment that modern commercial banks firmly establish and conscientiously implement the scientific conception of development but also the goal that every commercial bank assiduously seeks. In their development process, management has always been the principal contradiction and management quality the radius of their growth and development. Only development with management is effective and sustainable; quality is the lifeline for commercial banks, and scale without quality is valueless; growth without the guarantee of quality is meaningless; and development without the basis of quality is unsustainable.