我国商业银行不良资产的现状与治理对策

Non-Performing Loans in Our Commercial Banks and Countermeasures

不良资产问题是困扰全球银行业的一个难题。事实上,不良资产问题是商业银行经营发展中不可避免的时常要遇到的问题,许多国家为化解银行不良资产进行了长期、艰苦的探索。当前,我国的银行业同样面临着不良资产比例过高、处置艰难的障碍。由于不良资产问题事关金融体系的稳定,事关国家经济的发展和社会稳定,而且极大地制约了银行的信贷投放能力和积极性,因此,面对不良资产形成与处置中的困难与问题,从研究不良资产在制度、法律、社会信用及银行自身的组织及管理机制出发,探索符合我国国情的银行不良资产的化解途径和办法,具有十分重要的现实意义。

Non-Performing Loans are a headache for global banking industry. In fact, Non-Performing Loans are a problem that commercial banks meet unavoidably in their operation and development. Many countries have made protracted and hard attempts at solving this problem. At present, our banking industry is also handicapped by Non-Performing Loans, which are of high percentage and difficult to dispose. Non-Performing Loans concern the stability of financial system and our economic development and social stability. Moreover they can greatly weaken banks＇ ability and enthusiasm to extend loans. So it is of practical significance to find out ways and methods that are appropriate to Chinese conditions to wipe out Non-Performing Loans in our banks from the perspective of system, laws, social credit and banking structure and management.