信贷资产质量低下的两大原因及治理建设银行舞钢市支行范坤甫目前，银行信贷资产的现状存在着较为严重的问题：一是表现为信贷资产的效益下降，利息回收率低；二是不良信贷资产继续增多，大量银行贷款处于呆滞、呆帐和被挤占挪用等非正常占用状态，信贷资金沉淀已相当严重... Two reasons for the low quality of credit assets and governance Fan Kunfu branch of Wugang City Construction Bank Currently, the status quo of bank credit assets, there are more serious problems: First, the performance of credit assets decline, the interest rate recovery is low; Second, bad credit Assets continue to increase, a large number of bank loans are sluggish, bad loans and misappropriation of non-normal occupancy, credit deposit has been quite serious ...