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银行信贷资产风险的产生,主要与银行、企业和外部环境三大因素有关,本文对此不作赘述,仅就防范信贷资产风险应采取的措施进行一些探讨。一、增强对信贷资产风险意识的紧迫感和责任感。我们在向国有商业银行转轨的过程中应增强改革意识,在各项业务经营中增强竞争意识,在健全功能中增强服务意识,在资金运行中增强平衡意识,在经营管理中增强效益意识,在信贷资产活动中增强风险意识。特别在信贷资产管理中要增强风险意识的紧迫感和责任感,以降低信贷资产的风险。
The risk of bank credit assets is mainly related to the three major factors of banks, enterprises and external environment. This article will not go into details, and only some measures should be taken to prevent the risk of credit assets. First, to enhance the sense of urgency and sense of responsibility for the risk awareness of credit assets. In the course of transition to state-owned commercial banks, we should increase the awareness of reform, enhance the sense of competition in all business operations, enhance the sense of service in sound functions, enhance the sense of balance in the operation of funds and enhance the awareness of efficiency in operation and management. Enhancing Risk Awareness in Credit Assets Activities. Especially in credit asset management, we should enhance the sense of urgency and sense of responsibility in risk awareness so as to reduce the risk of credit assets.