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当前,伴随着国民经济发展布局的战略性调整和国有企业的战略性改组,国有商业银行经营结构的战略性调整也在加紧进行,可以说,结构调整作为整合各种生产要素,充分发挥资源优化配置作用的一项战略举措,已成为当今一切经济、金融活动的主题。在这一大背景下,阳泉分行作为地处我国东西地区结合部、经济水平欠发达的内陆城市亏损行,由于信贷资产在今后相当长的一段时间内仍是最主要的赢利性资产,资产质量的高低直接关系到今后的生存和发展。因此,如何扭转目前经营的被动局面,提高整体经营效益和竞争能力,加大信贷结构调整力度就成为当务之急,也是必由之路。
At present, with the strategic adjustment of the national economic development layout and the strategic restructuring of state-owned enterprises, the strategic adjustment of the operating structure of state-owned commercial banks is also stepping up. It can be said that structural adjustment, as a means of integrating various factors of production and giving full play to resource optimization A strategic move of allocation has become the theme of all economic and financial activities today. Against this background, Yangquan Branch, as a landlocked city with an underdeveloped economy located in the junction of the eastern and western regions of China, is still the most important profit-making asset and asset The level of quality is directly related to the future survival and development. Therefore, how to reverse the passive situation of the current operation, improve the overall operating efficiency and competitiveness, and increase the credit structure adjustment has become a top priority and the only way to go by.