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国有专业银行向商业银行转轨,是我国深化金融体制改革的重点和难点之一,其改革目标能否如期实现,在很大程度上取决于信贷资产质量的根本扭转。由于受历史的、政策的、体制的多重因素制约,我国银行信贷资产质量问题严重,并已经成为制约经济增长、加剧通货膨胀、延缓银行商业化进程的突出问题。总的来说,银行信贷资产运行中出现的问题,是新旧体制转换过程中,宏观经济、金融运行中各种深层次矛盾在银行经营中的集中反映。
The transition from a state-owned specialized bank to a commercial bank is one of the key and difficult issues for deepening the reform of the financial system in our country. Whether the goal of the reform can be achieved as scheduled depends to a large extent on the fundamental reversal of the quality of credit assets. Due to the historical, policy and institutional constraints, the quality of bank credit assets in our country is serious and has become a prominent issue that restricts economic growth, aggravates inflation and delays the commercialization of banks. In general, the problems that arise in the operation of bank credit assets are the concentrated reflection of various deep-rooted contradictions in the macroeconomic and financial operations in the operation of the banking system in the old-new system transition.