论现代银行信贷资产经营管理机制创新

信贷资产经营管理事关银行生存发展。形成信贷风险的主客观因素很多。主观因素表现为主动营销机制、为客户服务机制、经营力量平衡机制、创新机制的缺乏。客观因素表现为调查分析难，资产保全难，抵押物处置变现难，收息收贷难。提高信贷资产经营管理，必须建立十个方面的机制：研究机制、服务机制、营销机制、差别机制、协同机制、责任机制、导向机制、储备机制、评审机制、风险化解机制。

On Innovation in Credit Capital Management

Credit capital management is of vital importance to the survival and development of bank. There are many factors contributing to the occurrence of credit risk. Among them are subjective factors being the lack of initiative marketing,customer service, operation balance and innovation mechanism. The objective factors are the difficulties of research and analysis,capital preservation,mortgage cashing,interest and loan collecting, hi order to improve credit capital management, it is a must to establish ten mechanisms, namely, research, service, marketing, variation, coalition, responsibility,orientation, reserve, assessment and risk resolving.