资产业务是当前及今后相当一段时间内我国商业银行利润来源的主要渠道,其经营绩效如何对于中资商业银行来说仍举足轻重。针对目前我国商业银行在资产业务经营中出现的存贷差持续扩大,信贷投放过于向大企业、大集团集中的现象,中央银行提出了督促商业银行调整优化信贷结构、加强 Asset business is the main channel of profit source of commercial banks in our country for a long time now and in the future, and how its business performance still plays a decisive role for Chinese-funded commercial banks. In view of the phenomenon that the commercial deposit and loan in China’s commercial banks continue to expand in the business of asset management and credit distribution is too large to large enterprises and large groups, the Central Bank has proposed to urge the commercial banks to adjust and optimize the credit structure and strengthen