人是生产力中唯一的能动因素,也是最活跃的生产要素.在向商业银行转轨中,提高信贷资产质量,还是丢掉亏损跨入盈利行列,都得靠人去实现.近几年有的行在会计、出纳和储蓄部门成功地实行了和个人利益相结合的管理机制,银行员工在自己的岗位上辛勤付出劳动的同时,直观地看到个人利益与银行经营效益同步增长,切身感受到个人利益与银行利益的一致性.然而在银行重要岗位的信贷部门却还没有走出“大锅饭”的圈子.笔者认为,尽快健全利益管理机制,对发挥信贷人员的能动性,提高信贷资产质量和经济效益是不可忽略的重要环节.一、信贷人员利益管理机制的内涵及目的. Man is the only dynamic factor in the productive forces and the most active factor in production. In the transition to commercial banks, improving the quality of credit assets or losing profits into the ranks of profit must rely on people to achieve. The accounting, cashier and savings department successfully implemented the management mechanism combined with personal interests. While working hard on their posts, bank employees intuitively saw that personal interests and bank management benefits were simultaneously increased and personal interests were personally felt However, the credit departments in important positions in the bank have not yet come out of the “big pot.” I believe that as soon as possible to improve the interests of the management mechanism, to give play to the initiative of credit officers to improve the quality of credit assets and economic benefits are not Ignore the important part of one, the interests of credit officers management mechanism and purpose.