信贷资产质量低对商业银行改革的影响王蓉莉目前银行信贷资产质量低、效益差已严重困扰了商业银行的正常运营，甚至直接威胁银行的生存，主要表现在：（一）资产流失严重，造成资金供求矛盾日益加剧，制约商业银行的经营。银行信贷资产质量低下、流失严重必然导致银行可用... The Impact of Low Credit Assets Quality on the Reform of Commercial Banks Wang Rongli At present, the quality of bank credit assets is low and the benefits are poor. This has seriously hampered the normal operation of commercial banks and even directly threatened the survival of banks. They mainly manifested in the following aspects: (1) serious loss of assets, resulting in capital The contradiction between supply and demand is aggravating day by day, restricting the operation of commercial banks. Bank credit assets of low quality, serious loss will inevitably lead to banks available ...