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信贷资产是银行通过借贷方式发放给企业使用的资金。这些贷款资金的质量如何,直接关系到银行的生存和发展。而信贷资产的集约经营是专业银行向商业银行转化,实现信贷资金流动性、安全性和效益性的唯一出路。但是,目前国有商业银行信贷资产质量较低已成为实现经营集约化的障碍,并由此导致经营效益的滑坡和银行信贷资产粗放经营刚性较强的不良状况。因此,尽快转变信贷资产粗放型的经营方式,走内涵式发展道路,已成为商业银行优化存量资产,开拓新的经济增长点,实现信贷资产集约经营的关键所在。一、努力活化存量资产。活化存量资产是转变信贷资产经营方式的前提条件。因此,要在注意增量质量提高的同时,把如何盘活沉淀的巨额存量资产放在首要位置。因为存量资产能否盘活,效益能否提高,不仅决定着整个金融资产增长方式的转变,而且还制约着增量效益的提高,所以必须下决心努力盘活存量资产。
Credit assets are the funds that banks use for loans to enterprises. The quality of these loan funds is directly related to the survival and development of banks. The intensive management of credit assets is the only way for professional banks to transform into commercial banks and realize the liquidity, safety and profitability of credit funds. However, at present, the low quality of credit assets of state-owned commercial banks has become an obstacle to the intensification of business operations. As a result, the decline of operating efficiency and the rigid rigidness of bank credit assets are extensively managed. Therefore, changing the extensive mode of operation of credit assets as soon as possible and taking the connotative development path has become the key for commercial banks to optimize their stock assets, open up new economic growth points and realize the intensive operation of credit assets. First, efforts to activate the stock of assets. Activated stock of assets is a prerequisite for the transformation of credit asset management. Therefore, we must pay attention to the improvement of incremental quality at the same time, how to activate the huge inventory of sedimentary assets in the first place. As the stock assets can be revitalized and the benefits can be improved, it not only determines the transformation of the overall financial assets growth mode, but also restricts the improvement of incremental benefits. Therefore, it must make a determined effort to revitalize the stock assets.