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银行信贷资产质量低下,这是近年来,银行由专业化向商业化过渡中所遇到的又一重大难题。面对这一难题,我行从1993年起就努力推行贷款风险管理和风险贷款管理,取得可喜成绩。我们的具体做法是:
The low quality of bank credit assets is another major problem that banks have encountered in the transition from specialization to commercialization in recent years. In the face of this challenge, we have made great efforts to promote loan risk management and risk loan management since 1993 and achieved gratifying results. Our specific approach is: