专业银行实行商业化改革,困难不少。其中,银行信贷资产质量低下,危及着银行的生存和发展,成为当前阻滞改革的焦点之一。为了分析其原因,最近,我们对湘潭市各家银行(包括国有专业银行和城乡信用社,以下简称全市银行)信贷资产情况进行了调查和剖析,并提出了一些对策。 Commercial banks to implement commercial reforms, a lot of difficulties. Among them, the low quality of bank credit assets endangers the survival and development of banks and becomes one of the focuses of the current block reform. In order to analyze its causes, we recently conducted a survey and analysis of the credit assets of various banks in Xiangtan City (including state-owned specialized banks and urban-rural credit cooperatives, hereinafter referred to as the city’s banks) and put forward some countermeasures.