我国银行不良贷款问题之法律分析

The legal Analysis of the Bank's Bad Credit in China

银行不良贷款问题已成为目前困扰我国经济的一大难题。为解决该问题 ,理论界和金融界曾经作过多方面的研究和尝试 ,然而绝少从法律角度探索者。本文旨在从法律角度寻找不良贷款问题结症之所在 ,揭示不良贷款产生的体制原因 ,弥补债权保护的法律缺陷 。

Banks' non-performing loans and enterprises' debt are the problems the haunt the economic operation of China.The people in academic,business and government have done much to research in order to solve this problem,but there are few people who explore what the core reason of credit-debt problem is from the point of law.This paper intends to find out the crux of the bad credit,to disclose the cause of the bad debt,to make up for the legal weakness of in protecting the creditors,and to explore the possible method to prevent and solve the bad credit.