专业银行商业化是目前深化金融改革的重要内容.由于外部环境和内部条件等诸多因素的制约和影响,贫困地区农业银行信贷资产质量不高,成为其向国有商业银行转化的主要难点.本文试就信贷资产质量不高的根源及防范的对策略作探讨. The commercialization of specialized banks is an important part of deepening the financial reform at present.As a result of the constraints and influences of many factors such as the external environment and internal conditions, the quality of credit assets of poor banks in poor areas has become the main difficulty of their transformation into state-owned commercial banks. Discuss on the Roots of Low Credit Assets Quality and Countermeasures for Prevention.