试论强化信贷资产质量监督防范金融风险

On Strengthening Supervision over thd Quality of Credit Assets and Avoiding Financial Risk

商业银行信贷资产质量决定着自身效益和发展。本文分析了商业银行信贷资产现状和成因，提出了强化风险监督，提高信贷资产质量的对策，以确保商业银行的稳健运行。

The operating result and expansion potential of a commercial bank depends largely on the quality of its credit assets. This paper analyzes foe present quality status of credit assets and factors that the author thinks to nave contributed to the formation of the situation. The author makes suggestions regarding risk control and credit asset quality improvement with the intention of ensuring the smooth development of commercial banks.