转型期国有商业银行不良贷款控制策略探析

Strategy of State-Owned Commercial Banks for NPL Control during the Transitional Period

“二次剥离”加上国有商业银行自身的积极处置,国有商业银行不良贷款连续几年实现了“双降”。但无论从外部经营环境看,还是从银行内部分支机构间发展极不均衡的情况和股份制改革现状分析,不良贷款反弹的压力非常大。本文通过深入分析存量和新增不良贷款特征与成因,指出新增不良贷款一方面会严重制约国有商业银行改制转型乃至整个金融改革的顺利推进,另一方面积累到一定程度将会加剧国民经济的不稳定程度。鉴于此,作者提出从存量处置、增量控制、综合治理、市场拓展、流程再造、信贷整顿、精细化管理等方面加快创新,控制信贷风险,促使经营管理改革顺利推进。

Thanks to ＂secondary splitting＂ and active disposal by state-owned commercial banks, non-performing loans have dropped consecutively for years in both NPL quantity NPL rate. But judging from external operation environment or from unbalanced inter-branch development and current outlook of joint-stock reform, rebound pressureis still very large. In this paper, analysis is made of remnant and new NPL in terms of their characteristics and cause. It is pointed out that new NPL will not only severely hinder the system transformation of state-owned commercial banks and the smooth reform of the financial sector, but also significantly destabilize our national economy if they are allowed to grow. Therefore, it is proposed that we should speed up our innovative efforts in remnant NPL disposal, new NPL control, comprehensive rectification, market expansion, business process reengineering, credit consolidation and fine management and control credit risk so as to push ahead the reform of operation and management.