提高基层商业银行信贷资产质量的思考

Reflections on Improving the Quality of Credit Assets of Grassroots Commercial Banks

信贷是商业银行的传统业务,是商业银行赢利的最重要产品和手段,对于基层商业银行尤为如此。随着经济下行和当前经济进入新常态,部分企业经营困难,以及商业银行内部管理等因素,目前,许多基层商业银行暴露出信贷资产质量问题,有的情况还十分严重。本文结合实际,对新常态下基层商业银行信贷资产质量问题的主要原因进行了分析,在此基础上,提出了提高基层商业银行信贷资产质量的措施和建议。

Credit is the traditional business of commercial banks.It is the most important product and means for the profit of commercial banks,especially for the grass-roots commercial banks.At present,many grassroots commercial banks expose the quality problems of credit assets,some of which are still very serious.This article analyzes the main reasons for the credit assets quality problems of the grass-roots commercial banks under the new normal,and puts forward some measures and suggestions to improve the situation for these commercial bank.