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随着全行信贷经营管理方式逐步走向集约化,从根本上确立以市场 为导向、以效益为中心、以质量为重点的经营理念,有利于整体推进信 贷经营结构的战略性调整。在此基础上,通过制订信贷指引政策,明确 支持、进入和退出的行业、企业标准以及风险标准,确立不良贷款控制 压缩的目标,有利于加快信贷资产结构的调整步伐。从我行信贷结构调 整工作的实践看,贯彻实施信贷进退方略,是优化客户结构的保证和最 有效途径。
As the credit management mode of the whole bank gradually becomes intensive, it is fundamental to establish a market-oriented, efficiency-centered and quality-focused business philosophy which will be conducive to the overall promotion of the strategic adjustment of the credit management structure. On this basis, establishing credit guidance policy, specifying the sectors, corporate standards and risk standards that are supported, entering and exiting, and setting the goal of controlling non-performing loans will help speed up the adjustment of credit asset structure. From the perspective of the practice of credit structure readjustment in our bank, implementing the strategy of advancing and retreating credit is the guarantee and the most effective way to optimize the customer structure.