关于企业产权改制下的银行资产保全的思考

商业银行的经营目标是追求利润的最大化。而这一目标的实现有赖于信贷资产“效益性、安全性、流动性”的有效配全。目前，我国国有商业银行信贷资产质量偏低，不良贷款率居高不下的问题严重影响银行的经营与发展，已引起业内人士的广泛关注。国务院提出要在金融系统大力开展“整顿金融秩序，防范和化解金融风险”活动，要求不断优化信贷资产结构，使不良贷款率在今后的几年内每年降低2％。所以，我们要充分了解目前企业改制中的种种不规范方式，全面认识不规范改制行为的种种负面效应，通过政府、银行、企业的通力合作，使银行不良资产得到逐步盘治。

Pondering on The Bank Capital Safty Under System Changing of Enterprises

The target of the commercial banks' operation is to pursue the greatest profits, whose achievement relies on the cooperation of credit capital on its effectiveness, safety and liquidity. At present, the quality of the state-owned commercial banks is very bad, and rate of harmful loan is still high which seriously influences the operation and development of banks. This has been widely noticed by the professionals. The State Department proposes to launch a movement on rectifying financial order, defending and dissolving the financial risk in the financial system. It demands to better the structure of credit capital constantly and try to reduce the rate of harmful loan by 2% annually. So we must completely learn the various informal ways during the system changing of enterprises currently and comprehensively realize the various negative effectiveness so as to gradually save the harmful loan of banks by the means of the closed cooperation between governments and banks and enterprises.