从财务管理的角度看,信贷业务属于一个利润中心,信贷经营的最终目标应该是利润最大化,但目前我国国有商业银行的信贷经营管理模式却与这种最终目标发生了偏离。由于信贷业务收入仍为国有商业银行收入的主体,因此,这种偏离也作为一个主要原因形成了国有商业银行较低的资产收益率 From the perspective of financial management, credit business belongs to a profit center. The ultimate goal of credit management should be to maximize profits. However, the current state-owned commercial bank’s credit management model deviates from this ultimate goal. Since the credit business income is still the mainstay of state-owned commercial bank income, this deviation is also a major reason for the formation of a lower return on assets of state-owned commercial banks