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提高贷款资产质量是一项系统工程,需要综合治理。既需要国家给国有商业银行创造一个比较宽松的、起码有一个与其他商业银行平等竞争的外部环境,又需要我们自身按商业银行的运行模式在管理机制、管理方法等方面进行大胆地改革。
Improving the quality of loan assets is a systematic project and requires comprehensive management. It not only requires the state to create a relatively loose external environment for state-owned commercial banks, at least one that competes on an equal footing with other commercial banks, but also needs to boldly reform itself in terms of management mechanism and management methods according to the operation mode of commercial banks.