信贷资产质量下降的原因是诸多因素的综合反映,是多年积累下来的国民经济生活中深层次矛盾的现象化,它关系到错综复杂的方方面面。因此,探求信贷资产质量下降就要依照社会主义市场经济规律,用历史唯物主义的观点,正确认识产生这些矛盾的内外环境、条件以及过程,并以此摸索一条在深化改革中能够有效解决矛盾的途径。 从资金的周转观念分析,银行信贷资产质量的劣化,是经济运行的非良性循环。这里并不排除行政干预和政策性业务的经营,金融秩序混乱以及资金运用上的“大锅 The reason for the decline in the quality of credit assets is the comprehensive reflection of many factors, which is the phenomenon of the deep-seated contradictions in the national economy that have been accumulated over the years. It relates to the intricate and complicated aspects. Therefore, to seek a declining quality of credit assets, we must correctly understand the internal and external environment, conditions and processes that generate these contradictions from the point of view of historical materialism in accordance with the laws of the socialist market economy and find out an effective solution to the contradictions in deepening the reform. way. From the concept of capital turnover analysis, the deterioration of the quality of bank credit assets is an unhealthy cycle of economic operation. This does not rule out the administrative intervention and policy-based business management, financial disorder and the use of funds on the "cauldron