银行不良资产处置中的法律障碍分析

不良资产压缩是一项富有创造性和挑战性的工作。中国加入WTO后,面临着与外资银行竞争的强大压力。为提升国有商业银行的竞争力,把国有商业银行建设成资产质量优良的现代好银行,近年来,各商业银行加大了压缩不良资产工作的力度,采取多种手段对不良资产进行经营、盘活、处置,但一些法律上的、政策上的障碍,制约和影响了银行不良资产压缩工作中的实际效果。

Unheatly Assets Compression is a creative and challenging job. As entering into the WTO China faces a big pressure, when competing with banks with foreign capital. In order to raise the power of competiveness of domestic commercial banks and construct them contemporary banks with high-guality assets, in recent years, each commercial bank has made great efforts to compress the wnhealthy assets and taken various measures to operate, exploit and dispose of the unhealthy assets but some obstacles in law and system have checked the unhealtly assets.