我国银行不良资产的成因与对策分析

The Non-performing Reason And Assets of the State-owned Commercial Bank

国有商业银行在中国金融业中起着举足轻重的作用。目前,我国金融业潜伏着巨大风险,能否经受住加入WTO所带来的挑战,关键在于国有商业银行。而国有商业银行现存的最大难题就是巨额不良资产的存在。因此,国有商业银行欲参与世界金融业的竞争,保障我国金融业的安全,必须采取措施,消除不良资产,化解金融风险。本文从我国国有商业银行不良资产的现状入手,指出了资产管理公司运作过程中存在的问题,然后分析了不良资产的成因,据此提出了相应的处置不良资产的途径。

The state -owned commercial bank plays a role in holding the balance in Chinese financial circles. At present, the financial circles of our country hides the enormous risk. To stand the challenge brought for the accession to the WTO, the key lies in the state - owned commercial bank. And the extant biggest difficult problem of the state - owned commercial bank is the existence of the huge non - performing assets. So, ff the state - owned commercial bank wants to participate in the competition of the financial circles in the world, and ensure the security of the financial circles of our country, it must take measures to dispel the bad assets and dissolve financial risks. This text start with the current situation of the non - performing assets of the state - owned commercial bank. Then analyse the reason and influence , at last put forward the corresponding way to handle non - performing assets.