国有商业银行不良资产的化解

Solutions to Unfavourable Assets of State-owned Commercial Banks

化解国有商业银行不良资产 :一要建立现代企业制度 ,确保新增贷款安全、高效和流动 ;二要成立专业机构处置现有的坏债存量 ,通过“债转股”实现不良资产增值 ;三要建立金融竞争机制 ,提高国有商业银行经营管理水平 ;四要建立贷款风险补偿机制 ,推行贷款保险制度 ;五要改善银企关系 ,依法对逃废金融债务责任人追究责任。

Solutions to unfavourable assets of state-owned commercial banks include:1 .setting up modern enter- prise system and modern commercial bank system to assurethe safety,efficiency and circulation of newly added loans; 2 .establishing a specialorganization to deal with thepresentamountof bad debtstorage to realize theincrementof un- favourable assets by turning debtinto shares.3.setting up a financial competitive mechanism to improve the manage- rial standard of the state-owned commercial banks;4 .setting up a mechanism of loan risk compensation and carrying outthe loan insurance system;5.improving the relation between banks and enterprises and investigating and affixing the responsibility by law for those who are responsible for escaping financial liabilities.