当前,国有银行信贷资产质量状况不佳,影响了国有银行的正常经营,成为其商业化经营的障碍,银行信贷资产质量下降不仅反映了银行的经营状况,也暴露了经济运行过程中的矛盾与问题。本文试图通过对银行信贷资产质量下降的原则进行分析,提出实现信贷资产良性循环、减少和避免风险的建议和意见。一、信贷资产质量的内涵所谓信贷资产质量,包括两方面内容:一是对社会来说,银行发放的贷款对照国家计划产业政策、信贷政策要求,其体现程度如何(?)信贷资产的投放,对促进生产要素合理组合,对促进国民经济持续、高速、健康发展所起的作用如何?二是对银行自身来说信贷资产总量中有问题贷款所占比重大小、有问题贷款能否收回、可能受到损失的程度如何?一般地,把各项信贷资产分为“正常”和“有问题”二类,有问题贷款资产按风险程度分为 At present, the poor quality of credit assets of state-owned banks has affected the normal operation of state-owned banks and become an obstacle to their commercialization. The decline in the quality of credit assets of banks not only reflects the operating conditions of the banks but also reveals the contradictions in the operation of the economy problem. This paper attempts to analyze the principle of the decline of bank credit assets and put forward suggestions and opinions on how to realize a virtuous cycle of credit assets and reduce and avoid risks. First, the connotation of the quality of credit assets The so-called quality of credit assets, including two aspects: First, for the community, the loan issued by banks in accordance with national industrial policy, credit policy requirements, how? (?) Credit assets, What is the role of promoting a reasonable combination of factors of production and promoting the sustained, rapid and healthy development of the national economy? Second, the proportion of outstanding loans in the total amount of credit assets to the banks themselves is very small. Whether the loans with problems can be recovered, Generally, the credit assets are classified into two categories, “normal” and “problematic”, and the loan assets in question are classified according to the degree of risk