银行不良贷款的根治

A Fundamental Solution to Non-performing Bank Loans

信用风险是造成国有银行不良贷款的根本原因。根治国有银行不良贷款的主要途径有三个:银行上市建立银行内部监督机制,建立信用评级机构完善外部监督机制,政府制定灵活的金融政策。

The root cause of non-performing loans in the state-owned banks resides in credit risk. In order to reach a fundamental solution of non-performing loans we generally adopt the following three ways. First listing banks are required to develop their internal supervisory mechanisms. Second rating agencies should be established and the external supervisory mechanisms should be improved. Third flexible financial policies should be formulated by the government.