商业银行不良资产存量活化对策探析

On the Active Measures to Dispose Improper Credit Fund in Commercial Banks

商业银行在活化信贷资金存量工作中主要存在着信贷结构不合理、信贷退出困难、信贷资产存量机制体系不够健全等问题.活化信贷资产存量是一项长期、艰巨而又复杂的工作,只有把活化存量纳入科学化、规范化、制度化管理轨道,通过调整信贷结构、建立退出机制和建立活化不良信贷资产存量的机制体系等途径,才能使商业银行轻装上阵,有效地推动和促进其信贷业务的良性循环和可持续发展.

The problems in activating stock credit fund in commercial banks include irrational credit structure, credit - quitting problem and unhealthy mechanism of credit fund. Activating stock credit fund is a long, hard and complex task. Only by adopting scientific, standardized and systematic management methods, adjusting credit structure, establishing credit - quitting mechanism and effective system to dispose improper credit fund, can commercial banks develop credit business virtuously and sustainably.