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贷款管理,即金融机构信贷资产管理。在我国社会主义市场经济条件下,我国商业银行及其它金融机构信贷资产作为核心资产,其质量总体来说日趋低下,这其中有国民经济变革造成许多企业经营困难等客观原因,但不可否认,作为银行等金融机构的信贷部门在贷款对象的选择、考察、判断上,不能进行较全面准确的贷款风险分析,存在主观上的失误,造成了信贷资产的风险,不能产生社会效益和银行自身效益。
Loan management, that is, the management of credit assets in financial institutions. Under the socialist market economy in our country, the credit assets of commercial banks and other financial institutions in our country are regarded as core assets, and their quality is generally getting lower and lower. Among them, there are some objective reasons such as the difficulty of operating in many enterprises caused by the national economic reform. However, it is undeniable that, The credit departments of banks and other financial institutions can not conduct more comprehensive and accurate loan risk analysis on the selection, inspection and judgment of the loan object, and there are subjective mistakes that have caused the risk of credit assets and can not generate social benefits and the bank’s own benefits.