一、困难与机遇提高信贷资产管理质量，盘活存量，调整信贷资产结构，一直是国有商业银行信贷工作的主题。但面临的现实是银行被越来越多的欠息和不良资产所困惑。（一）企业效益不佳，资金周转不灵，被迫长期挤占银行信贷资产。国有企业经济下滑的原因错综复杂，多年形成的“? I. Difficulties and Opportunities Improving the quality of credit asset management, revitalizing stock and adjusting the structure of credit assets has been the theme of the credit work of state-owned commercial banks. But the reality is that banks are bewildered by the growing debt and bad assets. (I) Poor enterprise performance and ineffective cash flow, forced to squeeze bank credit assets for a long time. The reasons for the economic decline of state-owned enterprises are complex and formed over the years.