关于国有商业银行降低不良贷款的思考

Reflection on Ill Loans of State-owned Commercial Bank in China

国有商业银行不良贷款的形成,是特定时期内诸多因素共同作用的结果,它长期制约着国有商业银行的正常运营。因此,降低不良贷款成为国有商业银行当前的首要任务。为此,文章对实现降低不良贷款目标的可能性进行了分析,并就降低不良贷款提出了下列对策建议:加大对资产管理公司资本金的投入,以进一步扩大剥离范畴;尝试运用非诉讼手段处置不良贷款;建立个人破产制度,保护债权人的合法权益等。

Ill loans of state-owned commercial banks resulted from more than one factor, and they hinder greatly the development of the banks. Now, diminishing the amount of ill loans becomes the first task of state-owned commercial banks. The paper analyzes the possibilities of decreasing ill loans, and puts forward some effective suggestions to improve the condition： enlarging investment to Asset Management Companies, peeling off divisions, dealing with ill loans without lawsuit, establishing a system of personal bankruptcy, and protecting loaners＇ rights.