信贷资产质量关系银行的生存与发展。近年来，中国工商银行广东省云浮市分行经营效益大幅好转，与全行上下确立资产质量生命论，大打资产质量攻坚战有着密不可分的关系。云浮市分行是工商银行在广东省最后成立的地市级分行，地处粤西山区，经济环境差，历史遗留问题多，包袱重 The quality of credit assets is related to the survival and development of banks. In recent years, the business benefits of Industrial and Commercial Bank of China, Yunfu City, Guangdong Province, have been significantly improved, which is closely linked with the establishment of the Asset Quality Life Theory and the fight against the tough asset quality in the whole bank. Yunfu Branch is the last city-level branch of Industrial and Commercial Bank of China to set up in Guangdong Province. It is located in the mountainous area of ​​western Guangdong. It has poor economic environment, many problems left over from history,