我国银行业不良资产成因分析

Analysis on the Cause of Bad Assets of Bank Line of Our Country

不良资产问题现已成为我国银行业的一个焦点问题 ,这个问题的成因较为复杂。从理论的角度分析 ,可以认为由于经济主体的有限理性与借款人机会主义倾向带来了放款风险。银行不良资产的存在有其现实与历史的原因 ,其自身的成长与异化已将我国银行业的风险积累到非认真对待不可的时候了。

Bad Assets Problem Now Has Become A focus Problem of the Bank Line of Our Country.The Reason of this Problem Is Rather Complicated.Analysis on Theoretical Point of View,Because of the Limitted Senses of the Economic Mainbody and the Opportunism of Borrowers Brings Risks for Loan.The Existence of the Bad Assets of Banks Has Its Realistic and Historical Reason.In Order to Solve Such A Problem,We Should Under the Guidance of Theory to Explore It and Solve It in Practice.