信贷资金作为银行运转的主要金融资产,是银行生存与发展的根本。在专业银行向国有商业银行转轨过程中,信贷资产质量的优劣起着举足轻重的作用。要提高银行信贷资产的质量必须多方入手,综合治理,从外部来看,通过深化企业改革,提高企业的经济效益,增强企业的自主经营能力。从内部来看,通过强化信贷管理,推行科学的风险度管理办法,降低信贷风险的发生。大体上有这样五条途径。一、深化企业制度改革银行的信贷资金是发放给 As the main financial asset of bank operation, credit funds are the basis for the survival and development of banks. During the transition from a specialized bank to a state-owned commercial bank, the quality of credit assets plays a decisive role. In order to improve the quality of bank credit assets, we must start with a multi-pronged approach and take comprehensive measures. From an external point of view, we deepen the reform of enterprises so as to enhance the economic efficiency of enterprises and enhance the self-management ability of enterprises. From an internal point of view, we can reduce the credit risk by strengthening credit management and promoting a scientific risk management approach. There are basically five such ways. First, deepen the reform of the corporate credit system is granted to the bank credit