一个银行的经营状况如何,很大程度反映在其信贷资产质量上。因此。防范信货风险,把坏账损失降至最低限度,就成为银行在经营发展中所必须考虑的首要问题。特别是在入世后,国有商业银行要融入国际金融的大循环中,参与全球竞争,就不仅要消化掉以前的坏账损失,甩掉历史包袱,轻装上 A bank’s operating conditions, largely reflected in the quality of its credit assets. therefore. Preventing the credit risk and minimizing the bad debt losses have become the primary issues that banks must consider in their business development. Especially after China’s accession to the WTO, state-owned commercial banks must integrate themselves into the global financial cycle and participate in global competition. They should not only absorb the previous losses of bad debts, throw away historical burdens,