商业银行不良资产的主观成因及对策初探

The Subjective Causes of Non-performing Assets in Commercial Bank and the Corresponding Strategies

随着我国金融业的对外开放及发展,国有商业银行的不良资产问题已成为束缚各家国有商业银行持续发展的瓶颈,进而对国民经济的健康稳步发展产生影响。通过对不良资产主观成因的分析,提出若干切实可行的化解不良资产的对策以积极防范金融风险。

With the opening-up and development of finance in our country, the non-performing assets have become the bottleneck of all the state-owned banks which influence not only their own development, but also the healthy and steady development of national economy. By analyzing the subjective causes, this article puts forward some practical measures to resolve non-profit assets and avoid financial risks.