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分离不良资产后的国有商业银行 ,如何避免产生新的不良贷款增量 ,是金融界理论与实际工作者正在思考的问题。本文认为完善国有商业银行内部信贷管理机制是提高信贷资产质量的重要保证 ,并从行为约束、管理组织结构、决策机制、岗位责任和激励机制等五个方面提出了切实可行的有效措施。
The separation of non-performing assets of state-owned commercial banks, how to avoid the generation of new non-performing loans, is the financial sector theory and practical workers are thinking about the issue. This paper argues that perfecting the internal credit management mechanism of state-owned commercial banks is an important guarantee to improve the quality of credit assets and puts forward practical and effective measures from the following five aspects: behavioral constraints, organizational structure, decision-making mechanism, job responsibilities and incentive mechanisms.