信贷资产质量低下不仅是当前金融业面临的严峻现实,也是制约影响我国经济良性循环的突出难题。如何构建一套新的机制,既能盘活银行不良资产存量,又能有效地优化增量,已成为人们努力探索的一个重大课题。基于此,表文试图从法律角度就提高信贷资产质量的问题作一浅析,谈谈初步的看法。 一、信贷资产质量的现状及影响 逾期贷款、呆滞贷款和呆帐贷款是银行风险信贷资产的三种形态,统称为银行的不良贷款。不良信贷资产比例的高低,是衡量银行信贷资产质量的一个重要指标。长期以来,我国银行的经营缺乏自主权,银行放款重贷轻 The low quality of credit assets is not only the grim reality facing the current financial industry, but also a prominent problem that restricts the virtuous circle affecting our economy. How to construct a new set of mechanisms has not only revitalized the bank’s non-performing assets but also effectively optimized the incremental ones, which has become a major issue that people are trying hard to explore. Based on this, the text tries to analyze the issue of improving the quality of credit assets from a legal point of view, to talk about the initial view. First, the status of credit assets and the impact of quality Overdue loans, sluggish loans and bad loans are three forms of bank risk credit assets, collectively referred to as the bank’s non-performing loans. The ratio of bad credit assets is a measure of the quality of bank credit assets as an important indicator. For a long time, the operation of our country’s banks lacks autonomy