国有商业银行不良资产成因及对策

目前我国商业银行普遍存在比例较高的呆、坏账和逾期贷款等不良资产问题,如何处理大量的银行不良资产一直是困扰中国银行业的难题。如果不能正确解决不良资产问题,会严重地阻碍国有商业银行的改革步伐,削弱我国商业银行的竞争力,同时也不利于中国经济的快速发展。本文分析了我国国有商业银行不良资产的成因及其带来的各种风险和弊端,在此基础上提出了相应的对策建议。

Causes and countermeasures of non-performing assets in state-owned commercial banks

State-owned commercial banks have non-performing asset(NPA) problems prevalently,such as bad debts,doubtful accounts and overdue loans.How to deal with large numbers of NPA is always a puzzle to Chinese banking.If we can't deal with them correctly,it will counteract the reform of state-owned commercial banks,weaken their competitiveness and go ill with the quick development of Chinese economy.This paper analyzes the causes of NPA in state-owned commercial banks as well as its risks and abuses,puts forward countermeasures on the basis of them.