目前,从我国银行业的实际看,信贷资产总量在整个资产总量中占主导地位,信贷仍是银行主要的盈利活动,是同业竞争的主战场,是发展经济、革新技术的有力杠杆。在目前我国仍实行分业经营的前提下,能不能抓好信贷工作,不仅决定着银行的经营效益和前途命运,也直接影响到我国经济的运行质量和发展速度。由于受历史因素及非市 At present, judging from the reality of China’s banking industry, the total amount of credit assets dominates the total assets. Credit is still the major profit-making activity of banks. It is the main battlefield of competition among banks and a powerful lever for economic development and innovation. Under the precondition that our country is still operating in a separate operation, we can not do a good job in credit work, which not only determines the operating efficiency and future destiny of the bank, but also directly affects the operation quality and speed of development of our economy. Due to historical factors and non-city