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商业银行信贷管理本身就面临一个两难的选择,既要防范和控制信贷风险,又要在权衡风险与回报的基础上,承担合理的、可承受的风险。不重视风险的信贷管理最终将威胁到银行的生存,不愿承担适当风险的信贷管理最终同样会威胁到银行的生存与发展。 2004年,工商银行的信贷管理工作将面临更大的挑战。我们不仅要继续把好新增贷款质量关,又要控制住存量贷款的劣变损失,使新发生的不良贷款总
Commercial bank credit management itself is faced with a dilemma, both to prevent and control credit risk, but also on the basis of weighing risks and rewards, to assume a reasonable and affordable risk. Credit management that does not pay attention to risk will eventually threaten the survival of the bank. The credit management that is unwilling to bear the appropriate risk will eventually endanger the survival and development of the bank as well. In 2004, ICBC’s credit management will face greater challenges. We not only need to continue to control the quality of new loans but also control the deterioration of the loans of existing loans so that the total new non-performing loans