商业银行不良贷款问题研究

Research on Bad Loan of Commercial Bank

通过对不良贷款成因的分析，试图找出相应的化解防范措施，建立完善的体制，降低不良贷款数量，控制不良贷款增加，确保银行按照商业化经营的要求安全、高效地运行，为市场经济的发展提供安全有效的资金保障。

Apart from significant progress, the state-owned commercial banks in China also face with many problems, e.g. quickly increased bad loans. Those problems now have become big obstacles preventing banks developing soundly and main factors causing financial risks. By analyzing the cause of bad loan, this paper tries to find out corresponding countermeasures to solve the problems, establish complete system, reduce amount of bad loans, and control its increasing speed, so as to ensure the bank healthy and efficient and provide sound capital safeguard for the development of market economy.