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中国工商银行从首次公开向社会披露资产质量起,就向全社会表明了解决不良资产问题的信心和决心。然而面对原有的经营理念,面对入世的挑战,面对多年来累积的信贷资产质量问题,怎样实现不良资产的有效下降、经营效益的稳步提高,总行资产风险管理部紧紧围绕提高信贷资产质量、压缩和控制不良贷款这一中心任务,推行了五级分类管理办法,严格了各项考核措施,拓展了风险管理职能,实现了风险监控重点的不断转变和风险监测工作的有效延伸,为做好工作积累了宝贵经验,值得一读。
Since the first public disclosure of asset quality to the public, ICBC has shown the confidence and determination of the whole society to solve the problem of nonperforming assets. However, in the face of the original business philosophy and the challenges posed by China’s accession to the WTO, in the face of the accumulated credit asset quality over the years, how to achieve an effective reduction of non-performing assets and a steady increase in operating efficiency, the Asset Risk Management Department of the head office focused on raising credit Asset quality, compression and control of non-performing loans, the Company implemented a five-pronged approach to categorization management, rigorous examination of various measures and expanded risk management functions. The Bank also achieved continuous changes in risk monitoring priorities and an effective extension of risk monitoring. We have accumulated valuable experience in doing a good job and are worth reading.