当前银行不良信贷资产依然较高 ,现有信贷存量使用效益不佳 ,周转缓慢 ,严重影响着银行的经营效益 ,削弱了银行的业务竞争能力。因此 ,提高信贷资产质量 ,尤其是搞活信贷存量就成为当前国有商业银行的一个重要课题。　　一、改革和完善信贷运作机制是搞活信贷存量的基础　　信 At present, bad credit assets of banks are still high, and the current credit stock is not used efficiently and has a slow turnaround, seriously affecting the operating efficiency of banks and impairing the bank’s business competitiveness. Therefore, improving the quality of credit assets, especially the revitalization of credit stock, has become an important issue for the current state-owned commercial banks. First, reforming and improving the credit operation mechanism is the basic letter for activating the stock of credit