一、跨越式发展零售贷款业务的必要性零售贷款将会对改善我行的资产质量作出举足轻重的贡献。中国银行正在为建立良好的公司治理机制而作艰苦的努力,其中难度最大的应当算是资产质量问题。要改善资产质量,除了加快处置不良资产外,另一个有效的办法就是增加有效投入,做大优质资产的“分母”。由于国企改革还有不少困难,上市公司的效益也不尽如人意,对中小企业的贷款又缺少机制,如何加大有效投入成为各行近年来遇到的难题。而迅速扩张零售贷款业务则正好破解了这一难题,使得原先孤军奋战的公 I. The Necessity of Leaping Development of Retail Loans Business Retail loans will make a decisive contribution to improving the quality of our assets. Bank of China is making painstaking efforts to establish a sound corporate governance mechanism, of which the most difficult one is asset quality. To improve the quality of assets, in addition to speeding up the disposal of non-performing assets, another effective measure is to increase effective input and increase the “denominator” of quality assets. As there are still many difficulties in the reform of state-owned enterprises, the efficiency of listed companies is also not satisfactory. There is a lack of a mechanism for lending to SMEs. How to increase effective input has become a problem that all walks of life have encountered in recent years. The rapid expansion of the retail loan business just solved this problem, making the original lonely fighting